LIC IDFC CLASSIC Credit Card: Sab Kuch Jo Aapko Pata Hona Chahiye


LIC IDFC CLASSIC Credit Card ek aisa card hai jo apne istemalke kai fayde pradan karne ke liye banaya gaya hai. Chaliye is card ke vivaran mein ghuste hain, jisme fees, welcome benefits, non-spend benefits, spend-based benefits, aur aur bhi shaamil hain.


LIC IDFC CLASSIC Credit Card Fees:

LIC IDFC CLASSIC Credit Card aapko ek lifetime free membership ke saath aata hai. Yeh ek mukhaya fayda hai kyunki users ko kisi bhi prakar ke fees ya renewal charges se nipta jata hai.


Welcome Benefits:

  1. 1000 Reward Points: Agar aapne card lene ke 30 din ke andar Rs.5000 kharch kiye hain, toh aapko 1000 Reward Points milenge. Yeh ek shandaar shuruaat hai jo aapko kuch mahatvapurna cheezein muft mein prapt karne ka mauka deti hai.
  2. Yatra Domestic Flight Discount Voucher: Rs.500 ka Yatra Domestic flight discount voucher bhi aapko milta hai. Isse aap apne flight tickets par bachat kar sakte hain.
  3. MYGLAMM Discount: Rs.899 ke minimum purchase par MYGLAMM par Rs.500 ka discount bhi available hai. Aap apni beauty products ki shopping mein bhi bachat kar sakte hain.
  4. Pharmacy Plus Membership: 6 mahine tak free Pharmacy Plus ka membership milta hai, jisse aap medical expenses par bhi bachat kar sakte hain.
  5. Lenskart Gold Membership: 1 saal tak free Lenskart Gold ka membership bhi ek shandaar fayda hai, especially agar aap eyewear ki zarurat hai.

Non-spend Benefits:

  1. Railway Lounge Visits: Har quarter mein do Railway lounge visits bilkul free milte hain. Yeh sukhad anubhav hai agar aap safar karte hain.
  2. Roadside Assistance: Saal mein chaar baar free Roadside assistance services bhi ek mahatvapurna fayda hai, khaaskar agar aap apne vehicle ka istemal karte hain.
  3. Domestic Airport Lounge Visit: Har quarter mein ek Domestic Airport lounge visit free, lekin mahine mein kam se kam Rs.5000 kharch karna hoga. Yeh sukhad anubhav hai air travel karne vale users ke liye.

Spend-based Benefits:

  1. Reward Points: Har Rs.125 kharch par 3 Reward Points milenge. Isse aap apne rozmarra ke kharchon par bhi rewards earn kar sakte hain.
  2. No Rewards on Certain Categories: Kuch categories mein jaise fuel, rent, non-LIC insurance premium, cash withdrawal, aur EMI transactions par koi rewards nahi milenge.
  3. Bonus on Specific Categories: Education, Railways, Groceries, Utilities, aur Government payments par har Rs.125 kharch par 3 Reward Points milenge. Yeh khaas karke aise users ke liye faydemand hai jo in categories par kharch karte hain.
  4. Reward Points Cap: Mahine mein in sabhi kharchon par milne wale reward points ka upper cap 300 hai, jo ek nischit had tak reward points ko niyantrit rakhta hai.
  5. LIC Insurance Payment Bonus: LIC portal ke through LIC Insurance payment karne par har Rs.125 kharch par 6 Reward Points milenge. Yeh ek aur adhik fayda hai LIC policyholders ke liye.

Other Features:

  1. No Interest on Cash Withdrawal: Cash withdrawal par koi interest nahi hoga (payment due date tak), jo ek acha fayda hai.
  2. Cash Withdrawal Fee: Rs 199 + Taxes ka cash withdrawal fee hoga. Users ko yeh fees cash withdrawal ke liye deni padti hai.


Reward Point Redemption:

  1. Validity: Reward points 3 saal tak valid honge, jisse users ko sufficient time milta hai unhe redeem karne ke liye.
  2. Redemption Fee: Reward points ko redeem karne ke liye Rs.99 + taxes ka fee hoga. Yeh nominal fee users ko redeem karne mein madad karta hai.
  3. Usage: Reward points se app purchases aur online payments kar sakte hain, jo aapke hardin ke transactions ko aur bhi faydemand bana sakta hai.

LIC IDFC CLASSIC Credit Card Opinion:

  • Classic card par 0.6% base return hai, jo users ke liye ek accha starting point hai.
  • LIC Insurance EMI par 1.2% return hai classic card par, jo LIC policyholders ke liye ek aur fayda hai.

Conclusion:

LIC IDFC CLASSIC Credit Card ek behtareen option hai jinke liye jo lifetime free membership aur attractive benefits chahte hain. Yeh card users ko har tarah ke kharchon par rewards aur facilities pradan karta hai, making it a valuable addition to their wallet. Iske fayde aur features ka sahi istemal karke, users apne financial goals ki or ek kadam badha sakte hain.

Leave a Comment