IDBI Bank LICCSL 'Elat' Credit Card
IDBI Bank
Annual / renewal fee
Nil (no annual/membership fee, primary and add-on card).
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:20 AM ISTIDBI Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idbi.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at idbi.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
IDBI Bank LICCSL 'Elat' Credit Card by IDBI Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Nil (no joining fee for primary and add-on card).
VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Eclat)2 Aug 2026, 10:20 AM ISTIDBI Bank
Annual / renewal fee
Nil (no annual/membership fee, primary and add-on card).
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:20 AM ISTIDBI Bank
Fee waiver
- EMI Conversion Fees Nil and EMI Foreclosure Fees Nil.
- Reward Redemption Fee is Nil for Aspire/Royale/Euphoria/Winnings/Imperium but ₹99 per redemption for LIC Eclat.
VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Eclat)2 Aug 2026, 10:20 AM ISTIDBI Bank
Renewal fee
₹0 (NIL) renewal fee - Primary / Add on Card.
VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Eclat)2 Aug 2026, 10:20 AM ISTIDBI Bank
Rewards
Redemption value
- Reward redemption fee for LIC Eclat: ₹99 per redemption (Aspire/Royale/Euphoria/Winnings/Imperium: NIL).
- Delight Points expire after 3 years (campaign/promotional points expire after 1 year).
VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Eclat)2 Aug 2026, 10:20 AM ISTIDBI Bank
Reward cap
- Delight Points expiry: points credited to customers expire in 3 years.
- Points credited under a campaign or promotional offer expire in 1 year only.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:20 AM ISTIDBI Bank
Reward exclusion
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:20 AM ISTIDBI Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
1,000 bonus delight points on first transaction of ₹5,000 or more within 30 days of card activation.
VerifiedIDBI Bank LICCSL 'Elat' Credit Card product page2 Aug 2026, 10:20 AM ISTIDBI Bank
Insurance
- Complimentary lost/stolen card / accidental insurance cover depending on card variant type, provided by a third-party insurance company (which handles claim settlement).
- Policy coverage starts from the date of Credit Card set up.
- For claims to be accepted there must be a minimum of 2 purchase transactions using the card in the last 3 months prior to the event date.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:20 AM ISTIDBI Bank
Eligibility
Eligibility
- For new cards issued on or after October 01, 2022, the cardholder must activate the card within 30 days.
- A card is considered activated if the cardholder sets up a PIN, enables/sets limits for transaction types, or uses the card for purchases.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:20 AM ISTIDBI Bank
Charges & interest
Forex markup
Cross currency mark-up of 3.5% over and above the cross-currency conversion rate for all international transactions.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:20 AM ISTIDBI Bank
Charge
- Schedule of Fees & Charges (effective April 13, 2023) - LIC Eclat / all variants: Cash Advance Transaction Fee 2.5% of transaction amount or ₹500 whichever is higher.
- Finance/Interest charge on Revolving Credit 3.40% p.m. (40.80% p.a.) and on Cash Advances 3.40% p.m. (40.80% p.a.).
- Late Payment Charges by statement balance: <=₹500 Nil, >₹500 to <=₹5000 ₹400, >₹5000 to <=₹10000 ₹500, >₹10000 to <=₹20000 ₹750, >₹20000 ₹950.
- Over limit Fee 2.5% of over limit amount subject to minimum ₹500.
- Cheque/Auto Debit Return Charges ₹500.
- Cash Deposit Charges at IDBI Bank Branches ₹200.
- Duplicate Statement Request ₹100 per statement (more than 03 months old).
- Card Replacement Fee ₹200.
- Foreign Currency Conversion / Cross Currency Mark up 3.5%.
- EMI Rate of Interest 13% p.a. (tenures 3,6,9,12,18,24,30,36 months).
- EMI Conversion Fees Nil.
- EMI Foreclosure Fees Nil.
- Reward Redemption Fee ₹99 per redemption (LIC Eclat).
- Balance Transfer Fees 1.5% of BT amount or ₹199 whichever is higher.
- Card Account Closure Charges ₹999 if closed within one year of issuance (LIC Eclat).
- Charges on Purchase/Cancellation of IRCTC Tickets as prescribed by IRCTC/Indian Railways.
- All fees exclusive of GST.
VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:20 AM ISTIDBI Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver on transactions from ₹400 to ₹5,000 at all fuel stations.
- Maximum waiver of up to ₹500 per month.
VerifiedIDBI Bank LICCSL 'Elat' Credit Card product page2 Aug 2026, 10:20 AM ISTIDBI Bank
Interest-free period
- Interest-free credit period ranges from 18 to 48 days, subject to the scheme applicable on the card and submission of claims by the merchant.
- Not applicable if previous month's balance not cleared in full or if cash was availed from ATM.
VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Eclat)2 Aug 2026, 10:20 AM ISTIDBI Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the IDBI Bank LICCSL 'Elat' Credit Card?
Officially traced: Nil (no annual/membership fee, primary and add-on card).
Most Important Terms & Conditions (MITC) – IDBI Bank Credit CardsWhat is the joining fee on the IDBI Bank LICCSL 'Elat' Credit Card?
Officially traced: Nil (no joining fee for primary and add-on card).
Key Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Eclat)Is the IDBI Bank LICCSL 'Elat' Credit Card annual fee ever waived?
EMI Conversion Fees Nil and EMI Foreclosure Fees Nil.
Key Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Eclat)What welcome benefit does the IDBI Bank LICCSL 'Elat' Credit Card offer?
1,000 bonus delight points on first transaction of Rs. 5,000 or more within 30 days of card activation.
IDBI Bank LICCSL 'Elat' Credit Card product pageWhat are the transfer ratios for IDBI Bank LICCSL 'Elat' Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.idbi.bank.in/Eclat-Credit-Card.aspx.
VerifiedIDBI Bank LICCSL 'Elat' Credit Card product page2 Aug 2026, 10:20 AM ISTIDBI Bank
Verified 2026-08-02 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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