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Premium Decision Grade Catalog
IDFC FIRST BANK LTD
IDFC LIC Classic Credit Card
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Verified Catalog
Source: IDFC FIRST BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Co-branded credit card with LIC offering rewards on premium payments and everyday transactions with no annual fees
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Co-branded with Life Insurance Corporation
Highlight 2
"Secure tomorrow, Live today" positioning
Highlight 3
Special benefits for insurance premium payments
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary lounge network access details available on issuer portal.
Hotel Privileges
"Complimentary Airport Lounge Access (4 Domestic airport lounge access per annum)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹9L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Niche card for Harley Davidson owners offering enhanced rewards on specific categories but with limited comprehensive benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 2,500 reward points welcome bonus
- Base Rate: 4 reward points per ₹150 spent (1.3% value)
- Accelerated Rewards Program: 10x Reward Points on shopping through partner brands
- Travel (Hotels & Other): Complimentary Airport Lounge Access (4 Domestic airport lounge access per annum)
Cons
- RP to Rupees: 1 mile = ₹0.50
- Movie/Entertainment: 2+2 quarterly tickets
- Dining: 15% discount at select restaurants
- Lifestyle and Fashion: Amazon vouchers
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