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Axis Bank
LIC Axis Bank Signature Credit Card
Visa
LIC Axis Bank Signature Credit Card
The upgraded, still lifetime-free LIC co-brand — adds 8 domestic lounge visits a year and a 2% rate on LIC premiums plus international spends, making it a genuinely better free card for LIC policyholders than the base Platinum variant.
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
Mid
Benefits by category
- 🍽️ Dining & food delivery
Up to 20% dining discount at partner restaurants
- ✈️ Travel
2% reward rate · 8 complimentary domestic lounge visits per year
- ⛽ 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: 720
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- 8 complimentary domestic lounge visits per year
- 1% fuel surcharge waiver on transactions between ₹400–₹4,000
- Up to 20% dining discount at partner restaurants
Pros
- + Lifetime free with real lounge access included
- + 2% on both LIC premiums and international spend
- + Decent dining discount at partner restaurants
Cons
- − Still a flat 1% base rate on ordinary domestic spend
- − No welcome bonus or milestone benefits
- − Value is concentrated on LIC-related spend, not general use