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IDBI Bank LICCSL 'Lumine' Credit Card

IDBI Bank

Annual / renewal fee

Rs. NIL annual fee (primary card, from 2nd year onwards) - LIC - Lumine.

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Earn rate

Confirm on the official page

Official source not yet captured

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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.

Source-traced to issuer Verified 2026-08-02
View on official site →

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 'Lumine' Credit Card by IDBI Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Rs. NIL (Primary / Add-on Card).

VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Lumine)2 Aug 2026, 10:45 AM ISTIDBI Bank

Annual / renewal fee

Rs. NIL annual fee (primary card, from 2nd year onwards) - LIC - Lumine.

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Fee waiver

  • EMI Conversion Fees: Nil.
  • EMI Foreclosure Fees: Nil (Eligible EMI tenures 3, 6, 9, 12, 18, 24, 30 and 36 months at 13% p.a.).

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Renewal fee

Rs. NIL renewal fee (primary / add-on card) - LIC - Lumine.

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Rewards

Redemption value

  • Delight Points expiry: points credited to customers expire after 3 years.
  • Points credited under a campaign or promotional offer expire after 1 year.
  • Reward Redemption Fee (KFS): LIC Lumine ₹99 per redemption.
  • Schedule of Fees: Nil for all card variants.

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Reward cap

  • Delight Points expiry: points credited to customers have an expiry period of 3 years.
  • Points credited under a campaign or promotional offer expire after 1 year.

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Reward exclusion

MCC 6010/6011 (financial institutions cash disbursements)6211 (securities brokers/dealers)6300 & 6381 (insurance)9211 (court costs)9222 (fines)9311 (tax payments)9399 (govt services)9405 (intra-govt purchases)4112 (passenger railways)5960 (direct marketing-insurance)5541 & 5542 (service stations / fuel dispensers)5172 (petroleum products)5983 (fuel dealers). Delight points credited only after settlement of the transaction

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 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

Confirm on the official page

Official source not yet captured

Insurance

  • Complimentary lost/stolen card / accidental insurance cover depending on card variant type.
  • Provided by a third-party insurance company.
  • Policy coverage starts from the date of the Credit Card set up (refer welcome booklet / Bank website for applicable covers).

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Eligibility

Eligibility

For new cards issued on or after October 01, 2022, the cardholder must activate the card within 30 days (activation = setting up a PIN, enabling/setting limits for transaction types, or using the card for purchases).

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Charges & interest

Forex markup

Foreign Currency Conversion Charges: Cross Currency Mark up of 3.5%.

VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Lumine)2 Aug 2026, 10:45 AM ISTIDBI Bank

Charge

  • Schedule of Fees & Charges (effective April 13, 2023).
  • LIC Lumine: Interest on revolving credit facility 3.40% p.m. (40.80% p.a.).
  • Interest on cash advances 3.40% p.m. (40.80% p.a.).
  • Cash advance transaction fee: 2.5% of transaction amount or ₹500 whichever is higher.
  • 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 towards credit card payment: ₹200.
  • Duplicate statement request: ₹100 per statement (more than 3 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.
  • Late payment charges (per statement, by statement balance): <= ₹500 Nil.
  • > ₹500 to <= ₹5000 ₹400.
  • > ₹5000 to <= ₹10000 ₹500.
  • > ₹10000 to <= ₹20000 ₹750.
  • > ₹20000 ₹950.
  • Balance Transfer Fees (KFS): 1.5% of BT amount or ₹199 whichever is higher (Balance Transfer facility currently not provided).
  • Reward Redemption Fee (KFS): LIC Lumine ₹99 per redemption.
  • Card Account Closure Charges: LIC Lumine - ₹999 if closed within one year of issuance.
  • Reward Redemption Fee (Schedule): Nil for all card variants.
  • All fees and charges are exclusive of applicable GST.

VerifiedMost Important Terms & Conditions (MITC) – IDBI Bank Credit Cards2 Aug 2026, 10:45 AM ISTIDBI Bank

Fuel surcharge waiver

  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5000.
  • LIC Lumine - maximum waiver of ₹300 per month (MITC: min ₹400, max transaction ₹4000, max waiver ₹300 per month).

VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Lumine)2 Aug 2026, 10:45 AM ISTIDBI Bank

Interest-free period

Up to 48 days (ranges from 18 to 48 days), not applicable if previous balance is not cleared in full or if cash advance is availed.

VerifiedKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Lumine)2 Aug 2026, 10:45 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 'Lumine' Credit Card?

Officially traced: NIL annual fee (primary card, from 2nd year onwards) - LIC - Lumine.

Most Important Terms & Conditions (MITC) – IDBI Bank Credit Cards

What is the joining fee on the IDBI Bank LICCSL 'Lumine' Credit Card?

Officially traced: NIL (Primary / Add-on Card).

Key Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Lumine)

Is the IDBI Bank LICCSL 'Lumine' Credit Card annual fee ever waived?

EMI Conversion Fees: Nil.

Most Important Terms & Conditions (MITC) – IDBI Bank Credit Cards

What are the transfer ratios for IDBI Bank LICCSL 'Lumine' 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 issuer pageMost Important Terms & Conditions (MITC) – IDBI Bank Credit CardsKey Fact Statement (KFS) – IDBI Bank Credit Cards (covers LIC Lumine)

Official terms

https://www.idbi.bank.in/lumine-Credit-Card.aspx.

VerifiedIDBI Bank LICCSL 'Lumine' Credit Card product page2 Aug 2026, 10:45 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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