Card Benefits
Key benefits available with this card.
2% Rewards on LIC Premiums
Earn 2 Reward Points for every ₹100 spent on LIC insurance premium payments (1 RP = ₹1).
2% Rewards on International Spends
Earn 2 Reward Points per ₹100 on all foreign currency and international transactions.
1% Base Rewards
Earn 1 Reward Point per ₹100 on all other retail transactions.
8 Domestic Lounge Visits
Enjoy 8 complimentary domestic airport lounge visits per year (max 2/quarter) on eligible spends of ₹50,000 in previous 3 months.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all pumps in India (capped at ₹400/month).
Dining Delights
Up to 20% discount at partner restaurants across India under the Axis Bank Dining Delights programme.
Lost Card Liability Cover
Zero liability protection against fraudulent transactions up to the card limit upon reporting.
Lifetime Free Card
No joining fee and no renewal fee charged for the lifetime of the card.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| LIC Premium Payments | 2.0000 points / ₹100 | Earn 2 Reward Points per ₹100 spent on LIC premium transactions (1 RP = ₹1). |
| International / Forex Spends | 2.0000 points / ₹100 | Earn 2 Reward Points per ₹100 spent on international transactions (1 RP = ₹1). |
| All Other Retail Spends | 1.0000 points / ₹100 | Earn 1 Reward Point per ₹100 spent on regular shopping and general transactions. |
| Fuel, Wallets & EMI | 0.0000 points / ₹100 | Transactions on fuel, wallet reloads, and EMI conversions do not earn reward points. |
Airport Lounge Access
Domestic Airport Lounge Access
8 visits per year (Max 2 per quarter) · Domestic
Complimentary access to select domestic airport lounges in India upon spending ₹50,000 in the previous 3 calendar months.
Fuel Surcharge Waiver
Current Offers & Promotions
Lifetime Free Membership
ACTIVE₹0 Joining & Annual Fee
Maximum benefit: 100.00
No joining or renewal fee for the lifetime of the credit card.
Axis Dining Delights
ACTIVEUp to 20% Off
Maximum benefit: 20.00
Available at partner restaurants across India when paying with your LIC Signature card.
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹41,667 / month
₹600,000 / year ITR
735+
New to Credit: Not Allowed
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Available to salaried and self-employed individuals. Minimum salaried annual income of ₹5,00,000 and self-employed annual ITR above ₹6,00,000. Minimum credit score: 735+. Prior credit history is required; New to Credit (NTC) profiles are not eligible.
Income: Salaried: ₹5,00,000/annum (~₹41,667/month). Self-employed: Annual ITR > ₹6,00,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 735+ required with a clean repayment history.
Documents Needed
Fees & Charges
₹0
₹0 + GST
Pros
• Lifetime Free (Zero joining and annual renewal fees)
• 2 Reward Points per ₹100 on LIC premium payments and international spends (1 RP = ₹1)
• 8 complimentary domestic airport lounge visits per year
• 1% fuel surcharge waiver up to ₹400 per month
• Up to 20% dining discount at partner restaurants
Cons
• Lounge access requires a quarterly spend of ₹50,000 in previous 3 months
• Base reward rate is limited to 1% on regular retail purchases
• Reward earning is excluded on fuel, wallet loads, and EMI conversions
• Not available for New to Credit applicants