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| Feature | Axis Bank LIC Axis Bank Platinum Credit Card | Federal Bank Federal Bank RuPay Signet Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | Federal Bank |
| Network | Visa | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.2% | 0.1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 0.4% · International rewards | 0.1% · Other eligible rewards |
| Entertainment & movies | 0.2% · Other eligible rewards | 0.3% · Entertainment rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | Not published |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 23 Sept 2026 |
| Best suited to | LIC policyholders who want lifetime-free UPI capability and simple rewards. | UPI users wanting a no-fee Federal Bank card with occasional category and lounge benefits. |
| Main trade-off | The current product is not advertised as RuPay/UPI. The higher insurance rate applies only to identified LIC premium transactions, many regulated categories earn no points, and no current accident-cover benefit is published. | Federal Bank does not publish one numeric income threshold or product-specific forex markup. Reward redemption starts at 500 points and carries a fee from ₹99; the lounge and Swiggy benefits require ₹20,000 quarterly spend. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
