LIC Titanium card is offered by LIC Cards in collaboration with Axis Bank. It offers a strong rewards program on almost all your spends, including foreign currency and LIC premium payments. These points can be used against the purchase of items listed in an extensive credit card rewards catalogue. Read on to learn more about LIC Titanium Credit Card.
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Key Highlights of LIC Titanium Credit Card |
|
 |
|
| Best Suited for | Reward points |
| Joining Fee | Nil |
| Renewal Fee | Nil |
| Minimum Income Requirement | Rs. 3 lakh per annum, i.e., Rs. 25,000 per month gross salary |
| Best Feature | Up to 2 reward points on every spend of Rs. 100 |
| Paisabazaar’s Rating | ★★★ (3/5) |
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LIC Cards offer reward points on the payment of LIC premiums and on your spends across other categories. Apart from this, the cardholders also get other basic benefits like fuel surcharge waiver and insurance cover. Here are some of the LIC Titanium credit card benefits and features:
With this LIC card, you can get reward points on every minimum spend of Rs. 100 which can later be redeemed against the Axis Bank PlusPoint Catalogue. The catalogue has rewards related to home, lifestyle, dining, shopping and several other categories. The detailed rewards program is described below:
All the LIC Titanium cardholders are offered a 1% fuel surcharge waiver at all fuel stations across India for transactions from Rs. 400 to Rs. 4,000. You can avail this benefit up to Rs. 400 per month.
LIC Cards also provide a complimentary lost card liability insurance cover up to the credit limit of your Titanium credit card.
Suggested Read: Best LIC Credit Cards in India
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The fees and charges associated with LIC Titanium Credit Card are given below in the table:
|
Particulars |
Details |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3.6% per month (i.e., 52.86% per annum) |
| Late Payment Fee |
|
Click here for the most important terms and conditions.
The eligibility criteria for the LIC Titanium card and the documentation required to apply for it are as follows:
|
Criteria |
Details |
| Nationality | Resident of India or Non-Resident Indian |
| Age | 18-70 years |
| Occupation | Salaried or Self-Employed |
| Minimum Income | Rs. 3 lakh p.a. (i.e., Rs. 25,000 per month gross salary) |
| Documents Required | Click here for the list of documents required |
LIC Titanium Credit Card is provided by LIC Cards in association with Axis Bank. It mainly offers benefits in the form of reward points on almost every spending category. The cardholders also get other basic benefits like lost card insurance cover of up to Rs. 50,000, along with 1% fuel surcharge waiver. With no joining or renewal fee, you can make the most of the reward benefits offered if you pay LIC premiums. This is so because you can earn double reward points on LIC premium payments and foreign currency, as compared to other transactions.
However, if you want to get a credit card with better reward points and other benefits, you can also check out the Best Rewards Credit Cards in India.
You can also explore other card options which offer benefits similar to LIC Titanium credit card. Refer to the table below for the list of similar cards that you can consider:
|
Credit Card |
Annual Fee |
Key Features |
| SBI Card Prime | Rs. 2,999 | 10 Rewards Points on every Rs. 100 spent on dining, groceries, departmental stores, and movies |
| Citibank Rewards Credit Card | Rs. 1,000 | 10 reward points on every Rs. 125 spent on apparel and departmental stores (online & in-store) |
| Standard Chartered Platinum Rewards Credit Card | Rs. 250 | 5 reward points for every Rs.150 spent on dining, fuel and 1 reward point on other categories |
| IDFC FIRST Millennia Credit Card | Nil | 3 and 6 reward points per Rs. 150 for offline and online spends respectively of up to Rs. 20,000;
10 reward points per Rs. 150 on incremental spends above Rs. 20,000 |
| HSBC Smart Value Credit Card | Nil | 3 reward point per Rs. 100 spent on online, dining and telecom categories |
Q. How to redeem LIC Titanium credit card reward points?
A. You can call the LIC credit card customer care number on 1800 419 0064. You have to first confirm the quantity and product code of the item you want to redeem from the catalogue. Then verify the delivery address to complete your redemption request.
Q. How to apply for a LIC Titanium credit card?
A. You can apply for the LIC Titanium credit cards online on the official LIC Cards website. Click on ‘Apply Now’ option and fill the personal details on the application form before submitting.
Q. Is there any fee for LIC Titanium credit card reward points redemption?
A. Yes, you will be charged a handling fee of Rs. 30 + GST for every credit card reward points redemption request.
Q. How to pay LIC Titanium credit card bill?
A. You can pay the credit card bill of your Axis LIC cards through online payment via NEFT, Visa Money Transfer, other bank account, Axis mobile app, or LIC Cards net banking. You can also pay your bill through offline options, like cash payment at the nearest Axis bank branch or cheque/draft.
Q. What are the LIC Titanium credit card benefits?
A. LIC credit cardholders get reward points, fuel surcharge waiver and insurance cover on lost cards as benefits. Apart from these, you can also access the special deals and offers provided by Axis bank by clicking on the ‘Special Offers’ option present on the LIC Cards home page.
Q. Can I convert my LIC Titanium credit card transaction into EMIs?
A. Yes, LIC Cards provides its cardholders the facility to convert their credit card purchase into EMIs at the rate of Rs. 1.5% per month with monthly reducing balance.
