LIC Axis Bank Platinum Credit Card
Axis Bank
LIC Axis Bank Platinum Credit Card
Axis Bank
Annual Fee
FREE
Effective Rate
0.20%
Network
RUPAY
Point Value
₹0.20/pt
About LIC Axis Bank Platinum Credit Card
The LIC Axis Bank Platinum Credit Card is a standard-tier reward points credit card issued by Axis Bank on the RUPAY network. It is a lifetime free card with no annual or joining fee. With zero foreign transaction charges, it is a strong companion for international travel.
Best For
Pros & Cons
thumb_upPros
- check_circleZero forex markup on international transactions
- check_circleLifetime free — no annual fee ever
- check_circleLIC Premium Rewards
thumb_downCons
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.20 — an effective return of 0.20% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹40 |
| All other spends | 1% | 100 pts≈ ₹20 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the Axis Bank rewards portal. Redemption value may vary by option.
Card Benefits
LIC Premium Rewards
Earn reward points on LIC premium payments
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,500/yr value
Lost Card Protection
Zero liability on lost card fraud
~₹1,000/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Axis Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about LIC Axis Bank Platinum Credit Card.
Ready to apply for LIC Axis Bank Platinum Credit Card?
Apply directly on the Axis Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.