{
  "id": "idfc-lic-classic-select",
  "locale": "hinglish",
  "name": "IDFC FIRST Bank LIC Classic & Select Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free)",
  "loungeAccess": "Select par 2 complimentary domestic airport lounges per quarter (8/year) + 4 railway lounges per quarter",
  "rewardsRate": "LIC Premiums par 10X (2.00% Value) · Essentials & Other Spends par 5X (1.00% Value) · 0% Forex · 1 pt = ₹0.25",
  "bestFor": "LIC policyholders jo recurring life insurance premiums pay karte hain aur lifetime-free benefits, 0% forex aur lounge access chahte hain",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/lic-credit-card",
  "aiVerdict": {
    "score": 4.1,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "idfc-lic-classic-select",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/lic-credit-card",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf"
  ],
  "feeWaiver": "Zero joining aur annual renewal charges ke sath complete Lifetime Free forever",
  "networks": [
    "RuPay",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Annual Renewal Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup)"
    },
    {
      "key": "LIC Insurance Rewards",
      "value": "Official portal par 10X Points (2.00% return)"
    },
    {
      "key": "Airport Lounge Access",
      "value": "Select par 2 visits / quarter (8 visits/year)"
    },
    {
      "key": "Railway Lounge Access",
      "value": "4 visits / quarter (16 visits/year)"
    },
    {
      "key": "UPI Payments",
      "value": "RuPay variant par supported"
    }
  ],
  "earnRates": [
    {
      "category": "LIC Insurance Premiums (10X)",
      "rate": "10 Points / ₹125 (2.00% value)",
      "monthlyCap": "First 5 transactions/cycle",
      "perLakhSpent": "8,000 Points (~₹2,000 value)"
    },
    {
      "category": "Essentials (Grocery, Utility, Railway, Education, Govt) (5X)",
      "rate": "5 Points / ₹125 (1.00% value)",
      "monthlyCap": "600 Points / month",
      "perLakhSpent": "4,000 Points (~₹1,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends (5X)",
      "rate": "5 Points / ₹125 (1.00% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "4,000 Points (~₹1,000 value)"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "LIC Insurance Premiums",
      "multiplier": "10X",
      "rate": "10 Points / ₹125 (2.00%)",
      "monthlyCap": "Per billing cycle max 5 transactions",
      "note": "Sirf official LIC website (licindia.in) par kiye gaye payments par valid."
    },
    {
      "channel": "Hotel Bookings via Bank App",
      "multiplier": "20% Bonus",
      "rate": "20% Bonus Points per ₹125",
      "monthlyCap": "Uncapped",
      "note": "IDFC FIRST Bank app ke FIRST Rewards Gallery ke through booking par."
    },
    {
      "channel": "Flight Bookings via Bank App",
      "multiplier": "8% Bonus",
      "rate": "8% Bonus Points per ₹125",
      "monthlyCap": "Uncapped",
      "note": "IDFC FIRST Bank app ke FIRST Rewards Gallery ke through booking par."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "LIC Insurance Premium Payments",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Direct Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight & Hotel Bookings",
      "value": "₹0.25 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Non-LIC private insurance payments.",
    "Rent aur property management transactions.",
    "Fuel purchases (1% fuel surcharge waiver ke liye eligible).",
    "ATM cash advances aur EMI conversions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (100% Lifetime Free)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "0.71% to 3.85% per month (8.5% to 46.2% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0% (Zero Forex Markup)",
      "warn": false
    },
    {
      "item": "Cash Advance Fee",
      "value": "₹199 per transaction (up to 45 days interest-free)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹200 se ₹5,000 ke transactions par 1% waiver (Max ₹300/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Target Demographic",
      "requirement": "LIC Policyholders, Salaried Individuals aur Self-Employed Professionals"
    },
    {
      "criteria": "Existing Relationship Rule",
      "requirement": "IDFC FIRST Bank ke existing credit cardholders apply karne ke liye eligible nahi hain"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "21 se 65 years"
    },
    {
      "criteria": "Credit Score",
      "requirement": "710+ CIBIL score recommended"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}