LIC IDFC SELECT Credit Card: Detailed Explaination

LIC IDFC SELECT Credit Card ek aisa card hai jo apne istemalakon ko kai vishes fayde pradan karne ke liye banaya gaya hai. Chaliye is card ke mukhy gun aur faydon ko janane ke liye hamare saath ghoomte hain, jisme fees, welcome benefits, non-spend benefits, spend-based benefits, aur kai aur shaamil hain.


LIC IDFC SELECT Credit Card Fees:

LIC IDFC SELECT Credit Card aapko ek lifetime free membership ke saath milta hai, jo ise users ke liye ek atrangi chunauti banata hai bina kisi punaravrtti fees ke.


Welcome Benefits:

  1. 2000 Reward Points: Aapko 30 din ke andar Rs.10,000 kharch karne par 2000 Reward Points milenge, jo unke liye ek shandar prarambh ka darshan karte hain jo naye dino mein card ka istemal shuru karte hain.
  2. Yatra Domestic Flight Discount Voucher: Rs.500 ka Yatra Domestic flight discount voucher bhi milta hai, jisse aap apne safar par bachat kar sakte hain.
  3. MYGLAMM Discount: Rs.899 ke minimum purchase par MYGLAMM par Rs.500 ka discount bhi uplabdh hai, aapki sundarta aur swasthya kharidari ko aur bhi moolya deta hai.
  4. Pharmacy Plus Membership: 6 mahine tak free Pharmacy Plus ka membership milta hai, jo users ko medical zaruraton ke liye ek adhik fayda pradan karta hai.
  5. Lenskart Gold Membership: 1 saal tak free Lenskart Gold ka membership bhi milta hai, khaaskar unke liye jo eyewear ki zarurat hai.

Non-spend Benefits:

  1. Railway Lounge Visits: Har quarter mein chaar Railway lounge visits bilkul free milte hain, ek vyavsayik yatra anubhav pradan 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 Visits: Har quarter mein do Domestic Airport lounge visits free, lekin mahine mein kam se kam Rs.5000 kharch karna hoga. Yeh ek aur sukhad anubhav hai air travel karne vale users ke liye.

Spend-based Benefits:

  1. Reward Points: Har Rs.125 kharch par 5 Reward Points milenge, jo har din ke kharch par adhik rewards pradan karta hai.
  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 5 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 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 10 Reward Points milenge, LIC policyholders ke liye ek bada fayda.

Other Features:

  1. No Interest on Cash Withdrawal: Cash withdrawal par koi interest nahi hoga (payment due date tak), jo vyavsayikta mein laayein dalne mein madad karta hai.
  2. Cash Withdrawal Fee: Rs 199 + Taxes ka cash withdrawal fee hoga, ek nominal fee cash withdrawal ke sujhav ke liye.

Reward Point Redemption:

  1. Validity: Reward points 3 saal tak valid honge, jo users ko inhe redeem karne ke liye kafi samay deta hai.
  2. Redemption Fee: Reward points ko redeem karne ke liye Rs.99 + taxes ka fee hoga, ek samvedansheel fee jo redeem karne mein sahayak hoti hai.
  3. Usage: Reward points se app purchases aur online payments kar sakte hain, jo users ko inke kamae hue rewards ka istemal karne mein mukhya madhyam pradan karta hai.

LIC IDFC SELECT Credit Card Opinion:

  • Select card par 1% base return hai, jo ise ek adhik laabhkari chunauti banata hai users ke liye jo apne kharch par adhik return chahte hain.
  • LIC Insurance EMI par 2% return hai select card par, jo dikhata hai ki yeh card LIC policyholders ke liye ek vishes laabh pradan karta hai.

Conclusion:

LIC IDFC SELECT Credit Card ek premium card hai jo apne users ko vishes fayde aur rewards pradan karta hai. Ise sahi tareeke se istemal karke, users apne vyavsayik udeshyon ki or ek kadam badha sakte hain, aur apne financial drishtikon ko aur bhi majbooti pradan kar sakte hain.

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