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REWARD POINTS CARD

LIC Axis Bank Signature Credit Card

Axis Bank

Earns 1 Reward Point per ₹100 on eligible spends and 2 per ₹100 on LIC premium payments and foreign currency transactions, plus a 1% fuel surcharge waiver (₹400–₹4,000) and lost card liability cover up to credit limit.

LIC premium points apply only via official LIC payment gateways, not third-party apps. No points on fuel, utilities, education, rent, wallet, government. Fuel waiver max ₹400 a month. Forex fee 3.50%.

LIC Axis Bank Signature Credit Card
ANNUAL FEE
No annual fee
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
2 Reward Points per ₹100 on LIC premium payments and foreign currency transactions
BEST FOR
Included: May suit cardholders who pay LIC premiums on the card and want no joining or annual fee.
Included: Paying LIC premiums through official LIC payment gateways, which earn 2 Reward Points per ₹100.
Included: Foreign currency spends, which earn 2 Reward Points per ₹100 (a 3.50% forex fee applies).
Included: Cardholders who want a card with Nil joining and annual fee.
Limitation: Fuel, rent, utility, education or wallet spends, which earn no points may wish to compare other cards.
Limitation: LIC premium payers who use third-party apps may wish to compare other cards.
Limitation: Large fuel, rent, utility, education or wallet-load spends may wish to compare other cards.
Limitation: Frequent cash withdrawals, which carry a fee of 2.5% (min ₹500) of the amount may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward points are valid for one year from the date of accumulation; points unused for 12 months expire.
Condition: The 1% fuel surcharge waiver covers transactions of ₹400–₹4,000, up to ₹400 a month; GST on the surcharge is not refunded.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
70

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
No annual fee
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Axis Bank Credit Cards Domestic Airport Lounge Access Program
EVERYDAY
Fuel
1% fuel surcharge waiver at all fuel stations in India on ₹400–₹4,000 transactions; max ₹400 a month; GST on surcharge not refunded
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
12 months
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 2 Reward Points per ₹100 on LIC premium payments and foreign currency transactions
Included: Earns 2 Reward Points per ₹100 on LIC premium payments (via official LIC gateways) and foreign currency transactions; 1 per ₹100 on other eligible spends.
Included: 100% cashback up to ₹300 on the first utility bill payment within 30 days of card issuance.
Included: 1% fuel surcharge waiver on fuel transactions of ₹400–₹4,000, up to ₹400 a month, plus lost card liability cover up to credit limit.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.