What is the annual fee for the IDBI Bank LIC Lumine?

The IDBI Bank LIC Lumine is a lifetime-free credit card with no joining or annual fee.

Does the IDBI Bank LIC Lumine offer airport lounge access?

The IDBI Bank LIC Lumine does not include complimentary airport lounge access.

What rewards does the IDBI Bank LIC Lumine earn?

It earns 0.03 reward points per ₹150 on eligible spends.

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LIC Lumine — IDBI Bank Credit Card | Card Manager

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IDBI

co-branded

•••• •••• •••• 0000

LIC Lumine

RuPay

LIC Lumine

IDBI Bank • RuPay•

lifetime-freeco-brandedlicrewardsfuel

Annual Fee

Free

Base Reward Rate

0.00%

Foreign Tx Fee

3.5%

Tier

Joining Fee

Free

Verified

2026-06-08T14:01:24.290Z

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹1

Dining₹5,000/mo

+₹0

Grocery₹8,000/mo

+₹0

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹0

Online Shopping₹8,000/mo

+₹0

Utilities₹3,000/mo

+₹0

Annual earnings

₹29

Blended 0.00% effective return

Monthly spend₹52,000

Monthly earnings+₹2

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

Lifetime-free co-branded card. Reward redemption fee ₹99 + GST. Personal accident cover ₹2 lakh plus credit shield. Interest 3.4%/month. No lounge access. Network not explicitly stated on page; not extracted with certainty.

Benefits & Perks

Rewards

0.03 pts per ₹150 base (1 pt = ₹0.25). 3 Delight Points per Rs.100 spent on eligible transactions (general earn)
0.00%high
General: 0.03 pts/₹150 — 3 Delight Points for every ₹100 spent on eligible transactions; 1 Delight Point = ₹0.25
0.8%high

Fuel: 1% — 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, max ₹300/month

1.0% · cap 300/mohigh

Movies: 0% — BOGO offer on movie tickets via BookMyShow on 2nd or 4th weekend of the month

high

Forex

3.5% forex markup on international card transactions
3.5%

Travel

No lounge access on this card.
None
Lifetime free card — ₹0 joining, ₹0 annual, ₹0 renewal.
₹0 forever

Payments

Joining fee: Free. Annual: Free.
Lifetime free
Milestone: spend ₹10,000/lifetime → 1,000 Delight Points welcome benefit on spending ₹10,000 within 60 days of card issuance
+₹250 valuehigh