IDBI Bank LIC Eclat Select Credit Card
IDBI Bank · Open to apply
Lifetime-free RuPay co-brand card from IDBI Bank and LIC Cards Services Ltd: 4 Delight Points per Rs.100, Rs.10 lakh accident cover with Rs.25 lakh air accident cover, RuPay lounge access and a fuel surcharge waiver up to Rs.500 a month.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 4 Delight Points for every Rs.100: 4 IDBI Delight Points per ₹100
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No Delight Points on cash disbursements and securities brokers
- No Delight Points on insurance
- No Delight Points on government payments, taxes and fines
- No Delight Points on fuel
Where the sources disagree
- air accident cover: The insurance table lists Rs.25 lakh air accident cover for "Eclat RuPay Platinum"; the Eclat Select page states only the Rs.10 lakh personal accident cover. We take the table's row to be this card (the MITC names only "LIC Eclat").
- reward redemption fee: The page lists a Rs.99 fee per redemption on the LIC co-brand cards; the MITC lists Rs.20 per redemption of 1,000 to 4,000 points as cashback. The MITC (the more specific, newer document) is used: Rs.20 per redemption of 1,000 to 4,000 points.
Terms the calculator does not value
- IDBI's documents give no rupee value per Delight Point (a third-party figure of Rs.0.25 was removed), so points are valued at zero and the card's reward value is understated. Redemption minimums and the Rs.20 fee for cashback redemptions of 1,000 to 4,000 points (MITC) are not modelled.
- The MITC excludes passenger railways (MCC 4112) from Delight Points; the calculator's travel-other category also holds other travel, so rail spend is not carved out.
Sources
- IDBI Bank credit card Most Important Terms and Conditions (file dated 22 Oct 2026; schedule effective 2023-04-13) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- IDBI Bank LIC CSL Eclat Select Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- IDBI Bank, complimentary insurance coverage on credit cards (Product page, the bank's own, read 6 Nov 2026)