IDBI Bank LIC Eclat Select
KeepOne percent, free forever — and a ₹99 toll on every trip to the exit.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 500 Delight Points on card activation plus 1,000 more on a first transaction of ₹5,000 or more within 30 days — 1,500 points, worth ₹375
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against its ₹0 fee = ₹100 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #64
Why #64 The best earn rate on IDBI's shelf on a card that costs nothing — held back by a ₹99 charge on every redemption and a lounge benefit the bank refuses to put a number on.
A Delight Point is ₹0.25, but this card charges ₹99 for every redemption where the rest of IDBI's shelf charges nothing — so what you actually net depends entirely on how big a burn you batch. The smallest redemption IDBI allows is 1,000 points, which is ₹250 of value less ₹99 of fee: ₹151, or ₹0.15 a point, a 40% haircut. Redeem 10,000 points at once and the fee costs you 4%. `earn.base` is left at the undiscounted ₹0.25 because the haircut is a function of your redemption size, not of the card — but never cash out in small lots on this one.
The take
The LIC co-brand is the best-earning card IDBI sells and it costs nothing to hold: 4 Delight Points per ₹100, joining fee Nil, annual fee Nil, renewal fee Nil, on the primary and every add-on. At IDBI's own ₹0.25 a point that is 1.0% flat — better than Royale's 0.75% and double the ₹899 Winnings card — with 1,500 welcome points for a first transaction of ₹5,000. Then read the fee schedule. Every single redemption on this card and its Lumine sibling costs ₹99, where the other five IDBI variants charge nothing. IDBI's minimum first redemption is 1,000 points, so the smallest burn you can make turns ₹250 of points into ₹151 — a 40% haircut, and the reason to hoard rather than trickle. It also revolves at 3.40% a month, 40.80% a year, tied for the worst on the shelf. And the honest gap, which is the whole reason this card sat in our queue: IDBI publishes a section headed Airport Lounge Access, names RuPay as the provider, links RuPay's participating list — and never says how many visits you get. Not on the product page, not in the MITC, not in the Key Fact Statement. Every other IDBI card states its quota outright, so the silence here is a gap in IDBI's disclosure, not in our reading. Ask the bank before you plan a trip around it.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹3,200 a year at ₹3,00,000 of annual spend
₹6,500 a year at ₹6,00,000 of annual spend
₹12,200 a year at ₹12,00,000 of annual spend
₹34,700 a year at ₹36,00,000 of annual spend
₹57,300 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
IDBI Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 1.0% flat — 4 Delight Points per ₹100, the highest base rate IDBI pays on any card
- Lifetime free: joining, annual and renewal fees all Nil, on the primary and add-ons
- 1,500 welcome points, plus 1,500 at ₹2,00,000 and 2,000 more at ₹4,00,000 of annual spend
- Airport lounge access in India on RuPay's programme, with LIC's distribution behind the card
- ₹10,00,000 of accidental death and permanent-disability cover, plus a credit shield on outstanding dues
Watch out
- IDBI publishes NO lounge visit count for this card — the benefit is named, the number is not, on any of its three documents
- ₹99 per redemption, where every non-LIC IDBI card charges nothing; the 1,000-point minimum burn nets ₹151 of a ₹250 balance
- 3.40% a month, 40.80% a year — tied with Winnings for the worst rate on IDBI's shelf
- 3.5% forex markup, and the lounge access is India-only
- Closed loop — Delight Points reach no airline and no hotel programme at any ratio
- Fuel, insurance, tax, government and railway spend earn nothing; points expire after 36 months
- Closing the account within a year of issuance costs ₹999 — on a card that is otherwise free to hold, that is the only real money IDBI asks for
What these points actually fly
No live transfer route takes IDBI Delight Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
11 sourced rules · 3 pay zero
- Fuel · excluded Zero Delight Points — MCC 5541, 5542, 5172 and 5983 are all on the MITC's exclusion annexure. What you get instead is a 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, capped at ₹500 a month
- Insurance · excluded Zero Delight Points — the annexure names 6300 (insurance sales, underwriting and premiums), 6381 (insurance premiums) and 5960 (direct-marketing insurance). It does not name 6380, so a merchant coded there is not covered by the exclusion as IDBI has written it
- Government / tax · excluded Zero Delight Points — the annexure names 9211 (court costs), 9222 (fines), 9311 (tax payments), 9399 (government services NEC) and 9405 (intra-government purchases). It does not name 9402 or 9223
Does your spend count toward the milestones?
not published — and we say which
₹2,00,000 a year is the bar for the first milestone. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. IDBI Bank states what the IDBI Bank LIC Eclat Select earns and does not earn, but has not published which spend categories count toward the milestones — the ₹2,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
17 of 793 tracked doors
Gate: Quarters run 15th-to-15th (Jan 15–Apr 15 …), which implies a quarterly quota IDBI has never printed a number for
Opens 17 of 793 tracked lounge doors across 10 airports , via RuPay — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
This is one of two IDBI–LIC Cards Services co-brands (Lumine is the other, on the same ₹99 redemption fee and a smaller fuel-waiver cap), distributed through LIC's agency network as much as through IDBI branches — which is a channel nothing else on this board touches. IDBI's own product name is the "IDBI Bank LIC CSL Co-branded Eclat Select Credit Card"; ask for it by that name, and ask the branch to put the lounge quota in writing, because the bank has not published one anywhere.
IDBI Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official IDBI Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
One Key Fact Statement covers IDBI's whole seven-variant shelf. LIC-Eclat is Nil in all four columns of the KFS fee table — joining, annual, renewal and add-on. Cash withdrawal is capped at 20% of the credit limit, ₹15,000 daily cap. Cheque or auto-debit return ₹500; card replacement ₹200; duplicate statement ₹100 for anything over three months old; balance transfer 1.5% or ₹199, whichever is higher. Minimum amount due is 5% of the total, min ₹200. Interest-free period 18–48 days. The ₹99 charge is per REDEMPTION, not per point, and IDBI's minimum first burn is 1,000 points: cash out the minimum and ₹250 of value nets ₹151. The MITC's own Schedule of Fees, stamped "Effective from April 13, 2023", predates both LIC co-brands and still says reward redemption is "Nil (for all card variants)" — the Key Fact Statement is the later document and wins. Fuel surcharge waiver 1% on ₹400–₹5,000 transactions, capped at ₹500 a month. IDBI publishes NO income or age criterion for any card variant — not on the product page, not in the KFS, not in the MITC — so the eligibility rows here are honestly empty rather than borrowed from a sibling bank's shelf.
per the official IDBI Bank MITC · reviewed 10 Jul 2026
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against IDBI Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — 4 Delight Points per ₹100, joining and annual fee Nil, ₹99 per redemption, and lounge access via RuPay with no visit count stated
- official IDBI Key Fact Statement — LIC-Eclat joining, annual and renewal fees all Nil, ₹99 reward redemption fee, 3.40% a month interest, 3.5% cross-currency markup
- official IDBI credit-card MITC — the Delight Points clause and its MCC exclusions; it states no lounge entitlement for any variant