LIC Cards Credit Cards

About LIC Cards

LIC Cards Services Ltd, a subsidiary of Life Insurance Corporation of India, runs two parallel credit card tracks. Its own-branded range - Gold EMV, Platinum, Platinum EMV, Titanium, and Signature - targets LIC policyholders and agents directly, with accelerated rewards on LIC premium payments. A separate co-branded line with IDFC First Bank (Classic and Select) extends the LIC rewards concept into IDFC First's broader card ecosystem. Across both tracks, insurance-premium payments and everyday retail spending earn reward points.

Card-by-Card Breakdown

LIC Gold EMV, LIC Platinum, and LIC Titanium form the everyday-spending tier of LIC's own-branded range - all free, all earning reward points on eligible spends - Platinum and Titanium add accelerated rates on LIC premium payments, while Gold EMV earns a flat rate across all categories.

LIC Signature sits at the top of the LIC-branded range with the strongest rewards, still at no cost - the natural upgrade path if you're already using one of the entry-tier LIC cards and want stronger earning without taking on a fee.

LIC-IDFC First Classic and LIC-IDFC First Select extend the same LIC premium-payment reward concept into IDFC First Bank's card ecosystem - worth choosing over the LIC-branded cards specifically if you want IDFC First's broader benefit network alongside LIC-specific rewards.

Applying for an LIC Credit Card

LIC policyholders and agents are the primary target market and often see streamlined processing given the existing relationship, but general applicants meeting the income and credit-score criteria can typically apply too. Since every card in the range is free, the application decision comes down entirely to which benefit tier and issuing partner (LIC Cards Services vs. IDFC First Bank) best matches your spending pattern.

Explore the full card portfolio below to find the right card for your spending profile.