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Credit Cards · India

LIC Axis Bank Signature Credit Card

Updated 5 Jul 2026Source-linked

The LIC Axis Bank Signature Credit Card is a mid co-branded credit card from Axis Bank and LIC, with a joining fee of ₹0 + GST.

It earns up to 2 pts per ₹100 (≈0.4% value) on LIC spends in the form of edge reward points (points).

Cardholders get 8 annual domestic airport lounge access.

Axis Bank logo
LIC Axis Bank Signature Credit Card
Visa logo
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForCo-brand rewards
  • Reward TypeEDGE Reward Points (points)
Rewards Rate
  • 2 pts per ₹100 on lic premium and forex
  • Base 0.18% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
Axis Bank logoAxisVisa logomidLifetime freeCo-brand · LIC
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Rewards and Benefits

Rewards Rate
2 pts per ₹100 on lic premium and forex
Base 0.18% on other spends.
Reward Redemption
N/A
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
  • lost card liability: ₹0
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹27/mo
  • Groceries₹8,000 · 0.2% = ₹14/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹14/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹18/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹886/yr

₹886 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded mid card by Axis Bank and LIC.
  • Lifetime free — no joining or annual fee.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (8/annual).
  • Insurance cover bundled: lost card liability.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
  • Complimentary domestic airport lounge access (8/annual).
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 2 pts per ₹100 on lic premium and forex
    2 Reward Points per ₹100 spent on LIC premium payments and foreign currency transactions (2X).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • education
  • jewellery
  • utilities
  • cash advance

Airport lounge access

Domestic
8 visit(s) / annual.
8 complimentary lounge visits per calendar year at select domestic airports.

Insurance benefits

  • lost card liability: ₹0
    Complimentary lost card liability cover up to the credit limit.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per statement.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
720+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
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