LIC IDFC FIRST Select Credit Card
5 points/₹125 ordinary eligible purchases, ₹0.25/point; no annual fee. No joining or annual fee.
Try your spend →How this estimate works
Issuer LIC Select product and usage guide give 5 points per full ₹125 on ordinary eligible purchases. This model assumes one monthly purchase and ₹0.25 per point only when redeemed; deducts one ₹99+estimated GST reward-redemption fee annually if the points value covers it. Product page and bank fee schedule state nil joining and annual fee. Insurance-specific 10X points apply only to qualifying LIC premiums paid on the official LIC India site, limited to five payments per statement cycle, not on a generic category chip. Groceries, utilities, rail, FASTag, education and government are essentials with a combined 600-point monthly cap; these and merchant-specific routes are excluded from this ordinary-purchase estimate. Fuel, rent, non-LIC insurance, EMI and cash do not earn. Minimum eligible transaction ₹125. Points expire after three years; minimum amount due must be paid to retain them. Zero forex markup, travel booking bonus, welcome gifts, surcharge waiver and lounges excluded. Issuer may restrict new applications by existing IDFC cardholders.
Issuer terms
Issuer card benefits and voucher point value · Issuer card-specific earn tiers, exclusions and redemption values · Issuer fees, including reward-redemption charge
Terms checked 29 September 2026. The projected rupee value needs an eligible redemption; it is not statement cashback.