IDBI Bank LIC Eclat Select vs IDBI Bank LIC Lumine (2026)
IDBI Bank LIC Lumine vs IDBI Bank LIC Eclat Select: which wins?
₹36,875ranking value a year at ₹3L a month, to IDBI Bank LIC Eclat Select
Skip the duel — the board, ranked → · nothing to sign up for
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 1.0% at no fee at all against 0.8% at no fee at all.
IDBI Bank LIC Eclat Select out-earns IDBI Bank LIC Lumine at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| IDBI Bank LIC Eclat Select | Metric | IDBI Bank LIC Lumine |
|---|---|---|
| #49 — wins this row | Our rank | #339 |
| ₹0 — lifetime free | Fee — joining · annual (+ GST) | ₹0 — lifetime free |
| None | Fee waiver | None |
| 3.5% + GST — the KFS calls it a "Cross Currency Mark up" | Forex markup | 3.5% cross-currency mark-up over and above the conversion rate |
| 3.40%/mo (40.80%/yr) on both revolving credit and cash advances | APR | 3.40%/mo (40.80%/yr) — tied with Eclat and Winnings for the worst rate on IDBI's shelf, against Royale Signature's 2.50%/mo |
| 1.0% — wins this row | Headline earn rate | 0.8% |
| IDBI Delight Points | Currency | IDBI Delight Points |
| ₹0.25/pt † | House value | ₹0.25/pt † |
| 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 | Welcome benefit | 1,000 Delight Points — 500 on card activation and 500 more on a first transaction of ₹2,000 or more within 30 days of activation, worth ₹250 together |
| 17 of 793 — wins this row | Lounge doors opened | 0 of 793 |
† IDBI Bank LIC Eclat Select: 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.
† IDBI Bank LIC Lumine: A Delight Point is ₹0.25, and on this card and its Eclat sibling — and on no other IDBI variant — every redemption costs ₹99. IDBI's minimum first redemption is 1,000 points, so the smallest burn you can make turns ₹250 into ₹151, a 40% haircut; batch 10,000 points and the fee costs you 4%. `earn.base` is left at the undiscounted ₹0.25 because the toll is a function of how big a lot you cash out, not of the card. Never redeem in small lots.
Neither issuer publishes an income floor for these two, and the door is the same on both sides: IDBI Bank LIC Eclat Select and IDBI Bank LIC Lumine are both open to a direct application. How people actually get IDBI Bank LIC Eclat Select is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
IDBI Bank LIC Eclat Select out-earns IDBI Bank LIC Lumine at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
IDBI Bank LIC Eclat Select leads at all 20 steps, but not by the same amount: ₹500 at ₹0.25L a month, ₹15,250 at ₹5L — the gap fans out with spend, widest at ₹5L (₹15,250).
IDBI Bank LIC Eclat Select draws above the line, IDBI Bank LIC Lumine below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IDBI Bank LIC Eclat Select | IDBI Bank LIC Lumine | In front |
|---|---|---|---|
| ₹0.25L | ₹3,375 | ₹2,875 | IDBI Bank LIC Eclat Select by ₹500 |
| ₹0.5L | ₹6,875 | ₹5,125 | IDBI Bank LIC Eclat Select by ₹1,750 |
| ₹0.75L | ₹9,875 | ₹7,375 | IDBI Bank LIC Eclat Select by ₹2,500 |
| ₹1L | ₹12,875 | ₹9,625 | IDBI Bank LIC Eclat Select by ₹3,250 |
| ₹1.25L | ₹15,875 | ₹11,875 | IDBI Bank LIC Eclat Select by ₹4,000 |
| ₹1.5L | ₹18,875 | ₹14,125 | IDBI Bank LIC Eclat Select by ₹4,750 |
| ₹1.75L | ₹21,875 | ₹16,375 | IDBI Bank LIC Eclat Select by ₹5,500 |
| ₹2L | ₹24,875 | ₹18,625 | IDBI Bank LIC Eclat Select by ₹6,250 |
| ₹2.25L | ₹27,875 | ₹20,875 | IDBI Bank LIC Eclat Select by ₹7,000 |
| ₹2.5L | ₹30,875 | ₹23,125 | IDBI Bank LIC Eclat Select by ₹7,750 |
| ₹2.75L | ₹33,875 | ₹25,375 | IDBI Bank LIC Eclat Select by ₹8,500 |
| ₹3L | ₹36,875 | ₹27,625 | IDBI Bank LIC Eclat Select by ₹9,250 |
| ₹3.25L | ₹39,875 | ₹29,875 | IDBI Bank LIC Eclat Select by ₹10,000 |
| ₹3.5L | ₹42,875 | ₹32,125 | IDBI Bank LIC Eclat Select by ₹10,750 |
| ₹3.75L | ₹45,875 | ₹34,375 | IDBI Bank LIC Eclat Select by ₹11,500 |
| ₹4L | ₹48,875 | ₹36,625 | IDBI Bank LIC Eclat Select by ₹12,250 |
| ₹4.25L | ₹51,875 | ₹38,875 | IDBI Bank LIC Eclat Select by ₹13,000 |
| ₹4.5L | ₹54,875 | ₹41,125 | IDBI Bank LIC Eclat Select by ₹13,750 |
| ₹4.75L | ₹57,875 | ₹43,375 | IDBI Bank LIC Eclat Select by ₹14,500 |
| ₹5L | ₹60,875 | ₹45,625 | IDBI Bank LIC Eclat Select by ₹15,250 |
Transfer reach — 0 shared live routes
Transfer reach
Both cards earn IDBI Delight Points, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not reach.
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
IDBI Bank LIC Eclat Select · 4 more →
- 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
IDBI Bank LIC Lumine · 5 more →
- Every redemption costs ₹99 — on this card and Eclat only. At the 1,000-point minimum that is a 40% haircut; batch your burns
- Eclat, the sibling co-brand, earns 4 Delight Points per ₹100 on the same free fee schedule — 1.00% against this card's 0.75%
- No lounge access is claimed on this card at all, where Eclat's page carries a RuPay lounge paragraph
The call
For the ₹1L/month spender, IDBI Bank LIC Eclat Select nets ₹12,875 against ₹9,625 — a ₹3,250 gap. At ₹5L/month, IDBI Bank LIC Eclat Select nets ₹60,875 against ₹45,625 — a ₹15,250 gap. Lounge chasers: IDBI Bank LIC Eclat Select opens 17 of 793 tracked doors to IDBI Bank LIC Lumine's 0.
Our standing verdicts: IDBI Bank LIC Eclat Select — Keep; IDBI Bank LIC Lumine — Keep. IDBI Bank LIC Eclat Select takes 6 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, IDBI Bank LIC Eclat Select or IDBI Bank LIC Lumine?
IDBI Bank LIC Eclat Select. IDBI Bank LIC Eclat Select takes 6 of the 6 rounds we can score. IDBI Bank LIC Eclat Select out-earns IDBI Bank LIC Lumine at every spend level we model, from ₹25k to ₹5L a month.
IDBI Bank LIC Eclat Select or IDBI Bank LIC Lumine — which earns more at ₹3L a month?
At ₹3L a month, IDBI Bank LIC Eclat Select nets ₹36,875 against ₹27,625 — a ₹9,250 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, IDBI Bank LIC Eclat Select or IDBI Bank LIC Lumine?
They cost the same to get: ₹0 — lifetime free. IDBI Bank LIC Eclat Select waives its fee at no spend level — there is no waiver; IDBI Bank LIC Lumine at no spend level — there is no waiver.
Which gets you into more airport lounges, IDBI Bank LIC Eclat Select or IDBI Bank LIC Lumine?
Lounge chasers: IDBI Bank LIC Eclat Select opens 17 of 793 tracked doors to IDBI Bank LIC Lumine's 0. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: IDBI Bank LIC Eclat Select on 2026-08-23, IDBI Bank LIC Lumine on 2026-08-17. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against IDBI Bank and IDBI Bank / LIC Cards Services's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 5 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
- official IDBI's LIC Lumine product page — the 3 Delight Points per ₹100 rate, the welcome and milestone points, the ₹2 lakh accident cover and a fee table reading Nil on every line
- official IDBI's credit-card hub — the variant list naming Lumine as a RuPay LIC co-brand, and the ₹0.25 Delight conversion with its 1,000-point floor