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LIC Gold Credit Card
LIC • Visa

LIC Gold Credit Card

Mid-tier LIC card with improved rewards and lifestyle value over the Classic variant.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹999Waived on eligible annual spend as per issuer policy
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹-267Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹999

Waived on eligible annual spend as per issuer policy

Net value₹801

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
1.2%
Travel
1.0%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • LIC Gold Credit Card is best positioned as a shopping + travel specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.2% on shopping-aligned lanes, while broad base return remains closer to 0.5%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to shopping and travel spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 999 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹999
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/point₹0.25
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports5
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for LIC Gold Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on eligible annual spend as per issuer policy

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹5,000@ ₹0.25 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Higher tier than LIC Classic with stronger reward rates
  • Travel and shopping category value uplift
  • Fee waiver path based on annual spend threshold
  • Issuer campaign offers and partner privileges

Things to Consider

  • Reward value depends on redemption path and point valuation
  • Annual fee can dilute value at lower spend levels
  • Category caps and exclusions apply

About LIC Gold Credit Card

LIC Gold Credit Card is a points card from LIC, best for users wanting a moderate-fee lic card with better reward potential. It is tagged under rewards, shopping, travel, lifestyle categories in our database.

RewardsShoppingTravelLifestyle

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Frequently asked questions

Is LIC Gold Credit Card lifetime free?

It has an annual fee of ₹999. Waived on eligible annual spend as per issuer policy

What rewards does LIC Gold Credit Card offer?

Mid-tier LIC card with improved rewards and lifestyle value over the Classic variant.

Does LIC Gold Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider LIC Gold Credit Card?

Users wanting a moderate-fee LIC card with better reward potential

Where can I apply for LIC Gold Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.