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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
LIC
entry
•••• •••• •••• 0000
Gold EMV
VISALIC • Visa• Entry
Annual Fee
Free
Base Reward Rate
0.17%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹982
Blended 0.16% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
No-fee entry card for first-time users. Personal accident cover up to ₹1 lakh, credit shield up to ₹50,000 (permanent disability), purchase protection ₹50,000 (60 days). Reward redemption fee ₹30 + GST. Interest 2.75% p.m. (33% p.a.). No lounge, movie, dining, or travel benefits. Card valid 5 years.