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Axis Bank
LIC Axis Bank Platinum Credit Card
Visa
LIC Axis Bank Platinum Credit Card
A lifetime-free co-brand aimed squarely at LIC policyholders — the only real reason to hold it is the doubled reward rate on LIC premium payments, since the base card otherwise offers nothing beyond a basic entry-level feature set.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- 1% fuel surcharge waiver on transactions between ₹400–₹4,000
- 2 Reward Points per ₹100 on LIC premium payments, versus 1 point per ₹100 on other retail spend
Pros
- + Genuinely lifetime free — no joining or annual fee
- + Doubled reward rate specifically on LIC premium payments
- + Low, accessible eligibility bar
Cons
- − Base 1% reward rate is weak outside LIC premiums
- − No lounge access or welcome bonus
- − Only useful if you're actually an LIC policyholder