Side-by-side · honest numbers
LIC Axis Bank Signature Credit Card vs Axis Bank Privilege Credit Card
Honest side-by-side comparison of LIC Axis Bank Signature Credit Card, Axis Bank Privilege Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
LIC Axis Bank Signature Credit Card
Axis Bank
Axis Bank Privilege Credit Card
Axis Bank
Your adjusted comparison
| Feature | LIC Axis Bank Signature Credit Card Axis Bank | Axis Bank Privilege Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹1,500 |
| Fee waiver threshold | Lifetime free | ₹5,00,000/yr |
| Min income | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,309/yr | -₹1,758/yr |
| Travel | — | ₹3,000 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) |
| Top reward rate | 2 points / ₹100 | 2 EDGE miles/₹150 |
| Primary reward cap | ₹400/month | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Domestic airport lounge — about 2 visits per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Wallet · EMI · Utilities · Education | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹12,500 |
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https://cardhungry.com/in/en/compare/axis-lic-signature-vs-axis-privilegeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, LIC Axis Bank Signature Credit Card leads Axis Bank Privilege Credit Card by about ₹3,067/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | LIC Axis Bank Signature Credit Card Axis Bank | Axis Bank Privilege Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹1,500 |
| Fee waiver threshold | Lifetime free | ₹5,00,000/yr |
| Min income | ₹20,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,309/yr | -₹1,758/yr |
| Travel | — | ₹3,000 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) |
| Top reward rate | 2 points / ₹100 | 2 EDGE miles/₹150 |
| Primary reward cap | ₹400/month | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Domestic airport lounge — about 2 visits per quarter · Lounge typically gated on ₹50,000 spend in the previous quarter — verify on Axis site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Wallet · EMI · Utilities · Education | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹12,500 |
Frequently asked questions
- Which card has the lower annual fee?
- LIC Axis Bank Signature Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- LIC Axis Bank Signature Credit Card leads with an estimated ₹1,309/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- LIC Axis Bank Signature Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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