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| Feature | Axis Bank LIC Axis Bank Signature Credit Card | IDFC FIRST Bank IDFC FIRST Select Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | IDFC FIRST Bank |
| Network | Visa | Visa |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 1% | 0.4% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 2% · Foreign-currency rewards | 1.3% · Birthday-month rewards |
| Dining & delivery | 1% · Other eligible rewards | 1.3% · Birthday-month rewards |
| Travel & hotels | 1% · Other eligible rewards | 1.3% · Birthday-month 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 | Not eligible |
| Airport lounge access | 8 domestic airport lounge visits per year | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Not listed | Approx. ₹1,00,000/month |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | LIC policyholders who want a lifetime-free card with domestic airport lounge access and basic lost-card protection. | Fee-averse travellers who want dining/travel rewards and lounge access without paying for it. |
| Main trade-off | The 2X insurance rate requires the official LIC premium-payment gateway; other eligible insurance purchases receive the base rate. Government, education, utilities, rent, fuel, wallets, gift cards and tolls earn no points. | Every reward redemption costs ₹99 plus GST, and international transactions stop earning points from 26 October 2026. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
