Eclat Select Credit Card
About The Card
IDBI Bank LIC CSL Co-branded Eclat Select Credit Card is designed to open the doors of an unmatched experience powered by exciting offers and innovative financial solutions. 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-Kit
The 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 Eclat Select Credit Card understands your lifestyle and rewards you for your needs. You will earn 4 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 1500 Delight Points on spends of a total of Rs. 10000/- within 60 days from the card issuance date.
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. 5000. So keep driving and enjoying with friends and family.
*Maximum waiver of upto Rs. 500 per month
Accidental Death and Permanent Disability: Cover of Rs. 10.00 lakh in case of loss of life or permanent disability due to accident. Credit Shield Cover: Outstanding Dues as on the date of death.
Criteria:Age -18 years to 70 years Card Usage - One successful financial or non-financial transaction at any channel is done in the last 90 days prior to the incident.
Enjoy luxury at select airport lounges in India. No matter which airline or class you fly, your Eclat Select card offers you well deserved rest and use of facilities. You will surely find it useful to relieve travel fatigue and escape airport chaos.
The airport lounge access is being provided by RuPay and is subject to change as per RuPay’s discretion from time to time without any prior notice.
For the list of participating Lounges please click here
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 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 2 add-on cards 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. 5000/-,
Maximum waiver of Rs. 500/- 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 Eclat Select 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.