Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | Axis Bank LIC Axis Bank Platinum Credit Card | IndusInd Bank IndusInd Bank Platinum RuPay Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | IndusInd Bank |
| Network | Visa | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 0.2% | 0.3% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 0.4% · International rewards | 0.3% · Eligible merchant UPI 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 | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 24 Sept 2026 |
| Best suited to | LIC policyholders who want lifetime-free UPI capability and simple rewards. | UPI-first users who want a lifetime-free card from a traditional bank. |
| 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. | The issuer awards two points per ₹100 on UPI and one per ₹100 otherwise, but cash credit is only ₹0.35 per point. The higher 1:1 airline-mile route is not treated as cash value. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
