Axis LIC Signature Credit Card
★ 3.9 / 5 ⓘ How we rateLifetime free card with 8 airport lounge visits
✅ Verified Oct 2026 from Axis Bank's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
LIC policyholders who want free lounge access
Key benefits
- 2 EDGE points per ₹100 on LIC premium payments and international spends
- 1 EDGE point per ₹100 on other spends
- 8 complimentary domestic airport lounge visits a year
- Up to 20% off at partner restaurants
- 1% fuel surcharge waiver
What's great
- Lifetime free with lounges
- Earns on LIC premiums
- Good backup card
Good to know
- Very low reward value (~0.2% – 0.4%)
- No cashback categories
- No international lounges
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 3.75%/month (45% p.a.) |
| Foreign currency markup | 3.5% |
| Cash withdrawal fee | 2.5% (min ₹500) |
| Late payment fee | ₹0 – ₹1,300 by bill amount |
- Points worth about ₹0.20 each
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ Axis LIC Signature — common questions
Is the Axis LIC Signature Credit Card lifetime free?
Yes. The Axis LIC Signature Credit Card has no joining fee and no annual fee.
What rewards does the Axis LIC Signature Credit Card give?
1 – 2 EDGE points / ₹100. 2 EDGE points per ₹100 on LIC premium payments and international spends.
Who is eligible for the Axis LIC Signature Credit Card?
Minimum income: Not fixed (bank decides). Age: 18 – 70 years. Credit score: 720+. Final approval is decided by the bank.
Does the Axis LIC Signature Credit Card give airport lounge access?
Yes — 8 domestic/year.
What is the forex markup on the Axis LIC Signature Credit Card?
3.5% on foreign currency spends (plus GST).
Who should get the Axis LIC Signature Credit Card?
LIC policyholders who want free lounge access.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.