Lumine Platinum Credit Card
About The Card
IDBI Bank LIC CSL Co-branded Lumine Platinum Credit Card is designed to offer you an exciting experience on your regular spends. Illuminate your experience with a host of exciting features and relish the wide range of offers designed exclusively for you. This card brings to you unparalleled privileges to suit your lifestyle and preferences both in India and abroad.
This card is being offered with no joining fees, so hurry up! Call our Customer Care at 1800 425 7600 (Toll Free) or 022 - 4042 6013 (Call Charges Applicable) or visit the nearest LIC branch.
Credit Card Welcome e-KitThe digitized Credit Card Welcome e-Kit is IDBI Bank’s constant endeavor towards the Go Green initiative. This e-Kit provides the cardholder with detailed information regarding Card Usage, Cardholders Agreement and Most Important Terms & Conditions (MITC) in a downloadable PDF format.
Features and Benefits
The Co-branded Lumine Platinum Credit Card understands your lifestyle and rewards you for your needs. You will earn 3 Delight Points for every Rs. 100 spent by you using your Eclat Credit Card. So enjoy extra rewards on travelling, shopping, dine-out or watching movies! Get rewarded for all your spends! Additionally you will earn a welcome gift of 1000 Delight Points on spends of a total of Rs. 10000/- within 60 days from the card issuance date.
*Delight points would be accrued only on transactions except the ones exempted from delight points accrual. Refer the exempted transaction categories here.
Enjoy Interest free credit of up to 48 days* on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due. *Refer MITC for more details
Waiver of 1%* fuel surcharge every time you fill fuel using Eclat Select Card across all fuel stations for transactions in the range of Rs. 400 to Rs. 4000. So keep driving and enjoying with friends and family.
*Maximum waiver of upto Rs. 300 per month
Co-branded Lumine Platinum Credit Card provides Personal Accidental Death Insurance cover of Rs.2 lakhs & Credit Shield Cover.
Get more freedom with your Eclat Select Credit Card. You can use it at over 5.81 million merchants in India and over 44 million merchants abroad.
In case of loss of credit card, report it immediately at our 24-Hour Credit Card Customer Care No: 1800 425 7600 (Toll free) / 022 - 4042 6013 (Non-toll free). The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction after reporting the loss will be covered by the Bank.
You may apply for upto 1 add-on card for your family members.
Card Fees and Charges
| Type of Fees / Charges | Amount / % |
|---|---|
| Joining Fee - (Primary / Add-on Card) | Nil |
| Annual Fee – (Primary Card/Add-on Card) | Nil |
| Renewal Fee – (Primary / Add-on Card) | Nil |
| Interest on Revolving Credit Facility | 3.4% (p.m.) |
| Cash Advance Transaction Fee | 2.5% of transaction fee or Rs. 500/-, whichever is higher |
| Interest on Cash Advance | 3.4% (p.m.) |
| Late Payment Charges (per occasion, based on amount due): | < = Rs. 500 – Nil > Rs. 500 to <= Rs. 5000 - Rs. 400 > Rs. 5000 to < = Rs. 10000 - Rs. 500 > Rs. 10000 to < = Rs. 20000 - Rs. 750 > Rs. 20000 – Rs. 950 |
| Over Limit Charges | 2.5% of over limit amount subject to minimum of Rs. 500 |
| Cheque /Auto Debit Return Charges | Rs. 500 |
| Cash Deposit Charges at IDBI Bank Branches towards Credit Card payment | Rs. 200 |
| Duplicate Statement Request | Rs. 100 (More than 03 months old) |
| Card Replacement Fee | Rs. 200 |
| Foreign Currency Transactions | Bank charges Cross Currency mark- up 3.5% |
| Fuel Surcharge Waiver | Yes (For transaction value minimum of Rs. 400/-, Maximum upto Rs. 4000/-, Maximum waiver of Rs. 300/- per month) |
| Reward Points Redemption Fee | Rs. 99/- (per redemption) |
| EMI Charges | Minimum Amount: Rs. 3000/- Interest Rate: 13% (flat) per Annum Processing and Foreclosure Fees: Nil EMI Tenure Options: 3, 6, 9 or 12 month |
| Balance transfer Charges | Minimum Amount: Rs. 3000/- Processing Fee: 1.5% of BT amount or Rs. 199/- whichever is higher, Normal Interest rate for EMI will apply. |
| Card Account Closure Charge | Rs. 999/-, if closed within one year of issuance |
| Charges on Purchase or Cancellation of IRCTC Tickets | As prescribed by IRCTC/ Indian Railways. |
The above charges are exclusive of applicable GST
How To Apply
Get a Lumine Platinum Credit Card in 3 easy steps.
01. Get In Touch
Call on our Phone Banking numbers - Toll Free -
1800 425 7600
Non Toll Free -
022 4042 6013
(24x7 service)
02. Visit an LIC Branch
Visit the nearest LIC branch.
03. Receive a Call Back
Our representative will contact you at the earliest.