IDFC FIRST Bank · Entry · lifetime free
LIC Select
Where it ranks across all 187 cards
#21 Wallet load
1.0%
direct
#27 Education
1.0%
direct
#35 Utility bills
1.0%
direct
#49 Jewellery & watches
1.0%
direct
#56 Gaming
1.0%
direct
#61 Mobile / broadband
1.0%
direct
#68 Train tickets
1.0%
direct
#72 Cabs & transit
1.0%
direct
#75 Other
1.0%
direct
#77 Health & pharmacy
1.0%
direct
#80 Electronics
1.0%
direct
#88 Hotels
1.0%
direct
#89 Flights
1.0%
direct
#90 Food delivery
1.0%
direct
#90 Movies & events
1.0%
direct
#90 Fashion
1.0%
direct
#91 Online shopping
1.0%
direct
#95 Groceries
1.0%
direct
#98 Dining out
1.0%
direct
#22 Government / tax
0.1%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
1.00%base rate
5 pts / ₹125
source
Source: LIC Select Credit Card - idfcfirstbank.com - read 25 Sep 2026
10 points per ₹125 on LIC premiums
2.00%this rule
10 pts / ₹125
how it works & source
Only LIC premium payments qualify for 10X; non-LIC insurance premium earns no rewards at all per the exclusion below.
Source: LIC Select Credit Card - idfcfirstbank.com - read 25 Sep 2026
No points on non-LIC insurance premiums
0.00%this rule
0 pts / ₹125
source
Source: LIC Select Credit Card - idfcfirstbank.com - read 25 Sep 2026
Base rate, but capped1
5 pts / Rs 125 on grocery, utilities, railways, FASTag, education and government payments
base rate
source
Source: LIC Select Credit Card - idfcfirstbank.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, Rent, EMI
earns nothing
Fuel, rental, non-LIC insurance premiums, EMI conversions and cash withdrawals earn zero reward points.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, Rent, EMI
Source: LIC Select Credit Card - idfcfirstbank.com - read 25 Sep 2026