Everyone Can Use Lifrica. Members Get More.

Lifrica Membership is an optional program that gives you better pricing, more rewards, and additional benefits across everything you do with Lifrica — travel, forex, cards, and lifestyle services. It's not a requirement to use Lifrica; it's an upgrade that adds financial value on top of what you already have access to.

No. Everyone can use Lifrica — book travel, transact, and access services — without ever joining a membership tier. Membership is entirely optional and simply gives members more value on the same services.

Yes. Every Lifrica product — Travel, Forex, Cards, and Lifestyle — is fully accessible to non-members at standard pricing and standard rewards. Membership doesn't unlock access; it improves the economics of using them.

Members get better pricing on eligible bookings and services, higher LF Points multipliers, reduced fees on selected transactions, priority support, and tier-specific perks like enhanced redemption limits and partner offers. The exact value depends on your usage and selected tier.

Silver is $10 per year, Gold is $49 per year, and Platinum is $149 per year. Each is a single annual payment — renewing keeps your benefits active for the next year.

Silver is built for first-time or occasional users who want to try membership with low commitment. Gold suits regular travellers and multi-product users who want stronger pricing and rewards across services. Platinum is designed for frequent travellers, families, and business users who want the highest available pricing advantage and rewards across the ecosystem.

It depends on how often you travel, which products you use, and how much you typically spend annually. Use our quick recommendation tool above — answer 5 questions and we'll suggest the tier that credibly fits your usage, without pushing you toward a higher tier than you need.

Membership value comes from multiple sources working together — better pricing on bookings, higher LF Points earnings, reduced service fees, and partner benefits. Combined across even a few transactions in a year, these typically add up to more than the membership fee itself. Use the Value Calculator above to estimate this based on your own usage.

No. Estimated savings and value shown across this page are based on typical usage patterns and your own inputs — they are not guaranteed outcomes. Actual value depends on how much and how often you use eligible Lifrica products and services.

Yes. Non-members earn LF Points at a standard 1.00× rate. Silver members earn 1.25×, Gold members earn 1.50×, and Platinum members earn 2.00× — the multiplier applies automatically to your eligible activity based on your membership tier.