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| Feature | Axis Bank Axis Bank Privilege American Express Credit Card | Axis Bank LIC Axis Bank Signature Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | Axis Bank |
| Network | Amex | Visa |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| International spending | 1% · Eligible EDGE Reward Points | 2% · Foreign-currency 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 | 8 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | Axis customers who value Amex network offers and occasional domestic lounge access. | LIC policyholders who want a lifetime-free card with domestic airport lounge access and basic lost-card protection. |
| Main trade-off | The free Amex issuance does not receive the paid-card activation bonus. American Express acceptance is narrower, lounge access needs ₹50,000 prior-three-month spend, and the network offers are time-bound. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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