Side-by-side · honest numbers
LIC Axis Bank Signature Credit Card vs SBI Cashback Credit Card
Honest side-by-side comparison of LIC Axis Bank Signature Credit Card, SBI Cashback Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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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
SBI Cashback Credit Card
SBI Card
Your adjusted comparison
| Feature | LIC Axis Bank Signature Credit Card Axis Bank | SBI Cashback Credit Card SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹999 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,309/yr | ₹5,520/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo |
| Top reward rate | 2 points / ₹100 | 5% |
| Primary reward cap | ₹400/month | ₹2,000 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Wallet · EMI · Utilities · Education | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹5,802/yr combined NAV (₹282 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/axis-lic-signature-vs-sbi-cashbackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Cashback Credit Card leads LIC Axis Bank Signature Credit Card by about ₹4,211/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 | SBI Cashback Credit Card SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹999 |
| Fee waiver threshold | Lifetime free | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹1,309/yr | ₹5,520/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo |
| Top reward rate | 2 points / ₹100 | 5% |
| Primary reward cap | ₹400/month | ₹2,000 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Wallet · EMI · Utilities · Education | Fuel · Utilities · Insurance · Rent · Wallet loads |
| Bonuses | ||
| Signup bonus | — | — |
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?
- SBI Cashback Credit Card leads with an estimated ₹5,520/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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