Lumine Platinum Credit Card

Eclat Select Credit Card Banner Eclat Select Credit Card Banner

About The Card

IDBI Bank LIC CSL Co-branded Lumine Platinum Credit Card is designed to offer you an exciting experience on your regular spends. Illuminate your experience with a host of exciting features and relish the wide range of offers designed exclusively for you. 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.

Card Usage Guide
Cardholders Agreement
Most Important Terms & Conditions (MITC)
Features and Benefits

The Co-branded Lumine Platinum Credit Card understands your lifestyle and rewards you for your needs. You will earn 3 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 1000 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. 4000. So keep driving and enjoying with friends and family.
*Maximum waiver of upto Rs. 300 per month

Co-branded Lumine Platinum Credit Card provides Personal Accidental Death Insurance cover of Rs.2 lakhs & Credit Shield Cover.

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 No: 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 1 add-on card 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. 4000/-,
Maximum waiver of Rs. 300/- 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 Lumine Platinum 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 Our Branch

Visit the nearest branch.

03. Receive a Call Back

Our representative will contact you at the earliest.