LIC Cards Services Limited (LIC CSL) started LIC Credit Cards in partnership with Axis Bank on March 29, 2011. The purpose was simple and clear – to help LIC policyholders pay their insurance premiums using a credit card, while getting small rewards and basic insurance cover.
These cards are mainly useful for people who regularly pay LIC premiums and want some extra benefit instead of just making a normal payment. Because of this, many people search for LIC–Axis Bank credit cards when they plan to pay LIC premiums by card.
However, there is a lot of confusion online. As per the official Axis Bank and LIC Cards website, only two LIC–Axis Bank co-branded credit cards are currently available — LIC Axis Platinum and LIC Axis Signature.
There is no third variant active at present. The Titanium card does not appear on the official website, which means it is either discontinued or only available to old, existing users. However, LIC also offer AXIS Bank Gift Card.
These cards start from entry-level and go up to premium level, depending on features. Which card you get mainly depends on your credit history and eligibility, not on fees. As per its name, they are VISA cards. You will need an additional Axis card to use for UPI.
Fun fact: All LIC–Axis Bank credit cards are Lifetime Free (LTF). This means there is no joining fee and no annual fee, whether you use the card a little or a lot. This makes this card still popular in 2026.
1. LIC Axis Bank Platinum Credit Card
In 2026, the LIC Axis Bank Platinum Credit Card is still a lifetime-free, entry-level card, mainly made for people who regularly pay LIC premiums.
Unlike premium credit cards that push luxury benefits, this card focuses on simple everyday value. You earn reward points on every spend, and extra reward points when you pay LIC premiums or do international transactions.
The Platinum card is more about fuel savings, basic travel benefits, and insurance coverage, not flashy rewards. It keeps things easy and practical, which makes it suitable for users who want benefits without paying any yearly fee.
Main features (simple):
- You can earn 2 Reward Points per ₹100 on LIC premium payments and international spends
- Earn 1 Reward Point per ₹100 on all other spends
- No reward points on fuel, wallet load, EMI, rent, utilities, or government payments
- Lost card liability insurance up to your credit limit
- Upto 50 days Interest-free Credit Period
- 1% fuel surcharge waiver on fuel spends between ₹400–₹4,000
- Dining Delights and EMI conversion are available, like other Axis cards
- Add-on cards allowed (up to 3)
- Lost Card Insurance Cover of up to Rs. 50,000/- (A safety protocol, read conditions)
Simple talk: Unlike premium cards, this card is for regular LIC users, not luxury rewards.
Eligibility Criteria
| Requirement | Details |
|---|---|
| Age | 18 to 70 years |
| Nationality | Resident Indian / NRI |
| Income | Around ₹5 lakh yearly and a stable salary |
| Credit History | A clean record helps approval |
| Credit Score | Must be around 750. |
| Card Type | Entry-level, Lifetime Free |
| Documents | Your PAN, Aadhaar, or other address proof. |
| Card Approval | Give ITR, Salary slip, or Card to card approval (Just show any other bank card statement) |
Reality: Eligibility is low, so approval chances are better compared to premium Axis cards.
Charges
| Fee Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Fee | Nil |
Usage & Other Charges
| Type | Charges |
|---|---|
| Interest (Finance Charges) | 3.75% per month |
| Cash Withdrawal | 2.5% (Min ₹500) |
| Late Payment Fee | ₹500 to ₹1,200 |
| Over-limit Penalty | 2.5% (Min ₹500) |
| Foreign Currency Fee | 3.5% |
| Reward Redemption Fee | ₹30 |
| Fuel Surcharge | 1% (Refunded, GST not refunded) |
Simple talk: If you pay on time and avoid cash withdrawal, this card stays very low-cost.
2. LIC Axis Bank Signature Credit Card
The LIC Axis Bank Signature Credit Card stands as the premium card in the LIC–Axis lineup. It is still Lifetime Free (LTF), but unlike the Platinum card, this one adds airport lounge access, higher insurance cover, and stronger lifestyle benefits.
Unlike entry-level LIC cards that focus only on savings, the Signature card is for users who want LIC premium rewards plus premium comfort, without paying any joining or annual fee.
The card gives maximum reward value on LIC premium payments and international spends, along with domestic lounge access, fuel benefits, and insurance cover. It suits users with higher incomes and a cleaner credit history.
Top Features to know
- You can earn 2 PlusPoints per ₹100 on:
- LIC premium payments
- International transactions
- Also, get the benefit of 1 PlusPoint per ₹100 on:
- All other normal retail spends
- No rewards on fuel, wallet load, EMI, rent, utilities, or government services
- 8 complimentary domestic airport lounge visits per year. You can check the Axis Bank Credit Cards Domestic Airport Lounge Access Program list here.
- Maximum 2 visits per quarter
- Lost card liability insurance up to your credit limit
- Up to 50 days’ interest-free period
- 1% fuel surcharge waiver on fuel spends between ₹400–₹4,000
- Dining Delights, purchase to EMI, and other Axis Bank offers are available
- Up to 3 add-on cards allowed
Simple talk: Unlike Platinum, this card is for people who travel sometimes and want comfort + LIC rewards, not just basic savings.
Eligibility Criteria
| Requirement | Details |
|---|---|
| Age | 18 to 70 years |
| Nationality | Resident Indian / NRI |
| Income | Around ₹9–15 lakh yearly |
| Credit Score | Around 750+ |
| Credit History | Clean record helps |
| Card Type | Premium, Lifetime Free |
| Documents | ITR OR SALARY SLIP (if bank asks) sometimes, they offer pre-approved, where no additional documents required. however, check eligibilty Above. |
Reality: Approval is stricter than Platinum, but still easier than ultra-premium cards because it is LIC-focused.
Charges
Card Fees
| Fee Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Fee | Nil |
Usage & Other Charges
| Type | Charges |
|---|---|
| Interest (Finance Charges) | 3.75% per month |
| Cash Withdrawal | 2.5% (Min ₹500) |
| Late Payment Fee | ₹500 to ₹1,200 |
| Over-limit Penalty | 2.5% (Min ₹500) |
| Foreign Currency Fee | 3.5% |
| Reward Redemption Fee | ₹30 + GST |
| Fuel Surcharge | 1% (Refunded, GST not refunded) |
Simple talk: If you pay full dues on time and don’t use cash withdrawal, this premium card still stays low-cost.
LIC Axis Bank Credit Card Customer Care
If you are using an LIC Axis Bank Credit Card, you don’t need to guess where to call. There are dedicated helpline numbers for LIC cards, plus normal Axis Bank support.
Best Number for LIC Card Users (Most Important)
- LIC Card Dedicated Helpline: 1800 419 0064 (Toll-free)
Use this number for:
- Reward point redemption
- LIC premium reward queries
- Card application status
- Statement doubts
- General LIC card issues
This is the main and safest number for LIC Axis cards.
Other Axis Bank Customer Care Numbers
You can also reach Axis Bank on these numbers if needed:
- 1800 209 5577
- 1800 103 5577 (Toll-free)
- 1860 419 5555
- 1860 500 5555 (Call charges as per your operator)
Simple tip: For LIC-related rewards or benefits, always try 1800 419 0064 first. It saves time.
How to Pay the LIC Axis Bank Credit Card Bill
Because this is a co-branded card with Axis Bank, almost all Axis Bank payment methods work.
1. Axis Bank App or Net Banking
If you already have an Axis Bank account:
- Open Axis Mobile App or Internet Banking
- Go to Credit Cards
- Select your LIC Axis Credit Card
- Tap Pay Now
- Payment is instant
Best option for Axis Bank customers.
2. LIC Cards Website (BillDesk)
- Visit the official LIC Cards website
- Choose Pay Credit Card Bill
- Enter your 16-digit LIC Axis card number
- Pay using:
- Any bank’s Net Banking
- Debit card
Works even if you don’t have an Axis Bank account.
FAQs
What is the customer care number of the LIC Axis credit card?
As of 2026, the LIC Axis Bank credit card customer care number is 1800 419 0064 OR 1800 103 5577. You can Call from a registered mobile for faster help with billing, rewards, blocking, or card service issues.
How to activate the Axis Bank LIC credit card?
You can activate your LIC Axis Bank credit card using Axis Bank IVR, mobile app, or SMS. Card activation usually completes within 2 minutes after first successful authentication.
How do I redeem my Axis Bank LIC credit card reward points?
Reward points can be redeemed through the LIC Cards rewards catalogue available online. Visit the official rewards page, choose vouchers or products, and confirm using your registered mobile number.
Is the Axis LIC credit card good for beginners?
Yes. LIC Axis credit cards are lifetime free, easy to manage, and reward LIC premium payments. This makes them suitable for first-time credit card users in small towns and villages.
How to close LIC Axis Bank credit card?
To close the card, call Axis Bank customer care or submit a written request. Ensure zero outstanding balance. Card closure usually reflects within 7–10 working days.
Who is eligible for LIC Axis Bank Platinum credit card?
Applicants aged 18–70 years, salaried or self-employed, with stable income and basic credit history are eligible. Minimum income criteria may vary by city and Axis Bank internal checks.