LIC IDFC CLASSIC vs. LIC IDFC SELECT Credit Card: In-depth Comparison

LIC IDFC CLASSIC Credit Card aur LIC IDFC SELECT Credit Card dono hi ekdam alag-alag tareeke se aapko financial benefits pradan karte hain. Chaliye in dono cards ke features, fayde, aur nuances ko ekdum nazdeek se dekhte hain taki aap ek informed decision le sakein.


LIC IDFC CLASSIC vs. LIC IDFC SELECT Fees:

  • CLASSIC Credit Card: Lifetime free membership.
  • SELECT Credit Card: Lifetime free membership.

Welcome Benefits:

  • CLASSIC Credit Card:
  1. 1000 Reward Points milega agar aapne card lene ke 30 din ke andar Rs.5000 kharch kiye.
  2. Rs.500 ka Yatra Domestic flight discount voucher.
  3. Rs.500 ka discount MYGLAMM par Rs.899 ke minimum purchase par.
  4. Pharmacy Plus ka 6 mahine ka membership.
  5. Lenskart Gold ka 1 saal ka membership.
  • SELECT Credit Card:
  1. 2000 Reward Points milega agar aapne card lene ke 30 din ke andar Rs.10,000 kharch kiye.
  2. Rs.500 ka Yatra Domestic flight discount voucher.
  3. Rs.500 ka discount MYGLAMM par Rs.899 ke minimum purchase par.
  4. Pharmacy Plus ka 6 mahine ka membership.
  5. Lenskart Gold ka 1 saal ka membership.

Non-spend Benefits:

  • CLASSIC Credit Card:
  • Do complimentary Railway lounge visit har quarter mein.
  • Chaar Complimentary Roadside assistance services har saal mein.
  • Ek complimentary Domestiq Airport lounge visit har quarter mein, lekin mahine mein kam se kam Rs.5000 kharch karna hoga.
  • SELECT Credit Card:
  • Chaar complimentary Railway lounge visit har quarter mein.
  • Chaar Complimentary Roadside assistance services har saal mein.
  • Do complimentary Domestiq Airport lounge visit har quarter mein, lekin mahine mein kam se kam Rs.5000 kharch karna hoga.

Spend-based Benefits:

  • CLASSIC Credit Card:
  • Base Reward rate: Har Rs.125 kharch par 3 Reward Points.
  • Koi Rewards nahi milega fuel, rent, non-LIC insurance premium, cash withdrawal, aur EMI transactions par.
  • Har Rs.125 kharch par 3 Reward Points milega Education, Railways, Groceries, Utilities, aur Government payments par.
  • Mahine mein in sabhi kharchon par milne wale reward points ka upper cap 300 hai.
  • Har Rs.125 kharch par 6 Reward Points milega LIC Insurance payment through LIC portal.
  • SELECT Credit Card:
  • Base Reward rate: Har Rs.125 kharch par 5 Reward Points.
  • Koi Rewards nahi milega fuel, rent, non-LIC insurance premium, cash withdrawal, aur EMI transactions par.
  • Har Rs.125 kharch par 5 Reward Points milega Education, Railways, Groceries, Utilities, aur Government payments par.
  • Mahine mein in sabhi kharchon par milne wale reward points ka upper cap 300 hai.
  • Har Rs.125 kharch par 10 Reward Points milega LIC Insurance payment through LIC portal.

Other Features:

  • Cash withdrawal par koi interest nahi hoga (payment due date tak).
  • Cash withdrawal fee: Rs 199 + Taxes.

Reward Point Redemption:

  • Dono Cards:
  • Validity: 3 Saal.
  • Reward points ko redeem karne ke liye Rs.99 + taxes ka fee hoga.
  • Reward points se app purchases aur online payments kar sakte hain.
  • 1 Reward Point ka value: 25 Paisa.

Opinion:

  • CLASSIC Credit Card: 0.6% Base Return hai classic card par.
  • SELECT Credit Card: 1% Base Return hai select card par.
  • LIC Insurance EMI par:
  • CLASSIC Credit Card: 1.2% Return hai classic card par.
  • SELECT Credit Card: 2% Return hai select card par.

Conclusion:

LIC IDFC CLASSIC Credit Card aur LIC IDFC SELECT Credit Card dono hi alag-alag preferences ke liye banaye gaye hain. CLASSIC card solid base return deta hai, khaaskar LIC Insurance EMI payments ke liye. Dusri taraf, SELECT card ek higher base return deta hai, jo ki users ke kharch par adhik benefits ke liye ek lucrative choice ban sakta hai. Apne usage patterns aur financial priorities ko dhyan mein rakhkar aap apne liye sahi card chun sakte hain.

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