Best LIC Cards Credit Cards 2026

LIC credit cards offer rewards on insurance premium payments and general shopping with lifetime-free card options.

Top LIC Cards Credit Cards in India 2026

LIC Signature Credit Card

4.5/5
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LIC Signature Credit Card by LIC Cards
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For LIC Insurance Premium Payments, Travel Airport Lounge Access & High Accident Insurance Cover
Rewards Type Reward Points

Rewards Rate

2 Reward Points per ₹100 on LIC premium payments & international spends; 1 Reward Point per ₹100 on other spends

Welcome Benefits

Zero joining fee + complimentary insurance shields worth up to ₹1 Crore

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and annual fees
  • ✓ 2 Reward Points per ₹100 spent on LIC insurance premium payments and international transactions
  • ✓ 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year)
  • ✓ Extensive complimentary insurance package: ₹1 Crore air accident cover, ₹5 Lakh personal accident cover & ₹1 Lakh purchase protection
  • ✓ Zero liability protection against lost/stolen cards up to ₹5 Lakh

Limitations

  • ✕ High net income eligibility threshold (₹15 Lakh per annum)
  • ✕ No welcome bonus or milestone reward points structure included
  • ✕ Fuel purchases, wallet reloads, and EMI transactions are excluded from reward points accrual
Full Card Review →

Slice Credit Card

4.4/5
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Slice Credit Card by Slice
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Instant Cashback & Flexible Repayments
Rewards Type Cashback

Rewards Rate

2% flat cashback on all spends including UPI

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

  • ✓ 2% flat cashback on all spends, including UPI transactions
  • ✓ "Slice in 3" splits eligible spends of ₹2,000+ into 3 interest-free EMIs
  • ✓ Instant digital approval and onboarding in many cases
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ No airport lounge access
  • ✕ Credit limits start low (₹2,000) and scale with repayment behavior
  • ✕ Flat 2% rate has no accelerated categories for higher earners
Full Card Review →

CUB SalarySe Level Up Credit Card

4.4/5
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CUB SalarySe Level Up Credit Card by City Union Bank
Joining Fee ₹0 (Virtual) / ₹500 + GST (Physical)
Annual Fee ₹0 (Virtual) / ₹500 + GST (Physical)
Best Suited For Salaried Individuals, Salary Day UPI Spends & Low Forex Foreign Transactions
Rewards Type Reward Points

Rewards Rate

25 SCoins per ₹100 on SalarySe UPI; 10 SCoins per ₹100 when monthly bill exceeds ₹20,000

Welcome Benefits

Virtual + Physical card options + 37.5 SCoins/₹100 Salary Day bonus

Card Details +

Key Advantages

  • ✓ Lifetime Free Virtual Card option available with ZERO joining and annual fees
  • ✓ Up to 37.5% Salary Day Bonus Rewards on 1st & last day of the month via SalarySe UPI
  • ✓ Low 1% foreign currency markup fee on international spends
  • ✓ Earn up to 10X rewards on daily UPI QR payments using RuPay credit card integration
  • ✓ 1 complimentary domestic airport lounge access per month on ₹10,000 previous billing cycle spend

Limitations

  • ✕ SCoins expire 18 months from the date they are earned
  • ✕ SCoins can only be redeemed on the SalarySe App for brand vouchers and catalog items
  • ✕ Lounge access requires physical card variant and ₹10,000 monthly spend threshold
Full Card Review →

Times Black ICICI Bank Credit Card

4.2/5
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Times Black ICICI Bank Credit Card by ICICI Bank
Joining Fee ₹20,000 + Applicable Taxes
Annual Fee ₹20,000 + Applicable Taxes
Best Suited For Premium Lifestyle Experiences, Luxury Stay Vouchers, and Media Subscriptions
Rewards Type Reward Points

Rewards Rate

3 reward points per ₹100 spent across all categories

Welcome Benefits

20,000 bonus reward points on making the first transaction within the first 30 days of card issuance

Card Details +

Key Advantages

  • ✓ High-value milestone rewards including luxury resort stays fully offsetting the annual fee
  • ✓ Ultra-low foreign currency markup fee of 1.49%
  • ✓ Access to select entertainment events and fine dining experiences
  • ✓ Absolute zero fee charged on credit card cash withdrawals
  • ✓ Premium international media platform subscriptions available for just ₹1

Limitations

  • ✕ Very high standard joining and annual fee barrier of ₹20,000
  • ✕ Extremely steep spending target of ₹25 Lakh required for an ongoing annual fee waiver
  • ✕ Rewards are most valuable if your spending lines up with the card's partner brands, less useful otherwise
Full Card Review →

IndiGo IDFC First Dual FD Credit Card

4.0/5
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IndiGo IDFC First Dual FD Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For IndiGo Loyalists New to Credit or looking to Strengthen Their Credit Profile
Rewards Type Reward Points

Rewards Rate

Up to 22 BluChips rewards per ₹100 spent on flight bookings through the IndiGo app/website; 3 BluChips per ₹100 spent on general category retail purchases; 0.5 BluChips per ₹100 spent on UPI payments, fuel, insurance, rent, utilities, and wallet top-ups

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ No joining fee
  • ✓ Same IndiGo flight reward rates as the unsecured version of this card
  • ✓ A useful option for building or repairing credit history while still earning travel rewards
  • ✓ Low foreign currency exchange markup fees applied across cross-currency international spends
  • ✓ Domestic trip cancellation insurance included

Limitations

  • ✕ Requires a high minimum commitment threshold of ₹1 Lakh locked up in an IDFC FIRST Fixed Deposit
  • ✕ Highly restricted reward yields (0.5 BluChips per ₹100) on daily lifestyle essentials like fuel, insurance, utilities, and rent
  • ✕ Rewards can only be redeemed for IndiGo flights
Full Card Review →

ICICI Bank HPCL Super Saver Credit Card

4.0/5
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ICICI Bank HPCL Super Saver Credit Card by ICICI Bank
Joining Fee Joining/Annual Fee: ₹500 + Taxes
Annual Fee Joining/Annual Fee: ₹500 + Taxes
Best Suited For Fuel Spends at HPCL Outlets via HP Pay and Daily Household Utility/Grocery Bills
Rewards Type Reward Points

Rewards Rate

4% savings (via 24 reward points per ₹100 spent) on fuel purchases at HPCL pumps when paid via the HP Pay App; 2.5% savings (via 15 reward points per ₹100 spent) on groceries, departmental stores, and utility bill payments; 2 reward points per ₹100 spent on all other retail transactions

Welcome Benefits

2,000 ICICI Bank Reward Points + ₹100 cashback in the HP Pay wallet upon card activation and meeting onboarding payment terms

Card Details +

Key Advantages

  • ✓ Up to 5% combined value back on HPCL fuel purchases (rewards plus surcharge waiver)
  • ✓ 2.5% back on groceries, utilities and department stores
  • ✓ Welcome bonus offsets the joining fee
  • ✓ Fee waived on ₹1.5 lakh in annual spend
  • ✓ Includes complimentary domestic airport lounge access

Limitations

  • ✕ The top 4% fuel rate only applies to payments made through the HP Pay app
  • ✕ Monthly statement cycle capping limits are tightly enforced across both fuel and lifestyle reward categories
  • ✕ Excludes traditional premium lifestyle rewards like international lounge access or movie milestone gift codes
Full Card Review →

HSBC Live+ Credit Card

4.0/5
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HSBC Live+ Credit Card by HSBC Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Everyday Spending, Food Delivery Apps, Multi-category Shopping, and Lifestyle Cashback
Rewards Type Cashback

Rewards Rate

10% cashback on dining, food delivery, grocery, shopping & utility spends (capped ₹1,200/month); 1.5% uncapped on other eligible retail spends

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ 10% cashback on dining, food delivery, grocery, shopping & utility spends
  • ✓ Unlimited 1.5% cashback on all other eligible retail spends
  • ✓ Upgraded to Visa Infinite (from July 2026): airport Meet & Assist, complimentary ITC Hotels stays, Avis car rental privileges
  • ✓ Annual fee waived on ₹2 Lakh yearly spend, effectively free for regular users

Limitations

  • ✕ Accelerated cashback is capped at ₹1,200 per month
  • ✕ Lounge access reduced to 2 domestic visits/year (from 4) as of July 2026
  • ✕ Wallet loads and cash advances are excluded from cashback
Full Card Review →

Axis Bank REWARDS Credit Card

4.0/5
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Axis Bank REWARDS Credit Card by Axis Bank
Joining Fee ₹1,000 + Taxes
Annual Fee ₹1,000 + Taxes
Best Suited For Everyday Rewards, Online Shopping, Food Delivery, and Partner App Discounts
Rewards Type Reward Points

Rewards Rate

10X EDGE Points per ₹125 on apparel & department stores (up to ₹7,000 spend/month); 2X EDGE Points per ₹125 on other spends

Welcome Benefits

5,000 EDGE Reward Points on ₹1,000+ spend within 30 days of issuance

Card Details +

Key Advantages

  • ✓ 10X EDGE Points on apparel & department store purchases, capped at ₹7,000 spend/month
  • ✓ Instant savings on food delivery platforms including Swiggy
  • ✓ Complimentary airport lounge access included
  • ✓ Dining discounts at partner restaurants

Limitations

  • ✕ Core daily utility billing lines, fuel swiping, and cash advances are restricted or carry heavily reduced yield structures
  • ✕ Maximum benefit realization is gated under category capping ceilings enforced per statement cycle
Full Card Review →

Standard Chartered EaseMyTrip Credit Card

3.5/5
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Standard Chartered EaseMyTrip Credit Card by Standard Chartered
Joining Fee ₹350 + Taxes
Annual Fee ₹350 + Taxes
Best Suited For Travel Spends at EaseMyTrip and Standalone Airline/Hotel Bookings
Rewards Type Reward Points

Rewards Rate

10 reward points per ₹100 spent at standalone airline/hotel websites, mobile apps, or outlets (excluding other aggregators); 2 reward points per ₹100 spent on all other retail spends, including transactions via EaseMyTrip

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Instant discount and rewards on travel bookings at EaseMyTrip
  • ✓ No minimum booking value condition on flight and hotel discounts
  • ✓ Accelerated reward points on travel spends made directly on standalone brand websites other than EaseMyTrip
  • ✓ No capping on the earned reward points
  • ✓ Complimentary domestic lounge access at an exceptionally low annual fee threshold

Limitations

  • ✕ Low base reward rate of 0.5% (2 points per ₹100 spent) on regular categories
  • ✕ Primary instant discount benefits are strictly restricted to the EaseMyTrip platform
  • ✕ International lounge access benefits are no longer available on this card
Full Card Review →

IDFC FIRST Hello Cashback Credit Card

3.5/5
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IDFC FIRST Hello Cashback Credit Card by IDFC FIRST Bank
Joining Fee ₹1,000* Plus Applicable Taxes
Annual Fee ₹1,000* Plus Applicable Taxes
Best Suited For Online Shopping Spends and Travel Bookings via the IDFC FIRST Mobile Ecosystem
Rewards Type Cashback

Rewards Rate

Up to 5% cashback on online shopping spends; Up to 6% cashback back on travel bookings executed via the IDFC FIRST mobile app

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Up to 5% cashback on online shopping
  • ✓ Up to 6% back on travel bookings made through the IDFC FIRST app
  • ✓ Fee waived on ₹2 lakh in annual spend, an achievable bar

Limitations

  • ✕ Carries an upfront first-year joining fee barrier of ₹1,000, unlike select entry-level zero-fee options
  • ✕ Top travel cashback only applies to bookings made through IDFC FIRST's own app
  • ✕ Cashback yields on offline purchases and core utility exclusions follow a lower baseline structure
Full Card Review →

HSBC Premier MasterCard Credit Card

3.0/5
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HSBC Premier MasterCard Credit Card by HSBC Bank
Joining Fee 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes
Annual Fee 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes
Best Suited For HSBC Premier Banking Loyalists and Frequent Global Travelers
Rewards Type Reward Points

Rewards Rate

3 reward points for every ₹100 spent across all standard categories; Accelerated travel spends include 12X rewards on hotel bookings and 6X rewards on flight tickets via HSBC Rewards Marketplace

Welcome Benefits

20,000 bonus reward points on making the first transaction within the first 30 days of card issuance

Card Details +

Key Advantages

  • ✓ 0.99% forex markup, among the lowest available on any Indian credit card
  • ✓ 1:1 point transfer to a wide range of global airline and hotel partners
  • ✓ Unlimited complimentary domestic and international lounge access, plus 8 guest visits a year
  • ✓ 12X points on hotel bookings and 6X on flights through HSBC's Rewards Marketplace

Limitations

  • ✕ Steep ongoing annual maintenance renewal fee barrier of ₹20,000 from the second year onwards
  • ✕ Base reward rate yield of 3% is less competitive compared to rival top-tier premium cards offering up to 4.5%
  • ✕ Strict monthly reward points accumulation caps applied across select routine lifestyle and payment categories
Full Card Review →

IDFC FIRST Mayura Credit Card

3.0/5
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IDFC FIRST Mayura Credit Card by IDFC FIRST Bank
Joining Fee ₹5,999* Plus Applicable Taxes
Annual Fee ₹5,999* Plus Applicable Taxes
Best Suited For High-Income Individuals, Frequent International Travel, and Airport Lounge Access
Rewards Type Reward Points

Rewards Rate

Up to 10X reward points on monthly spends above ₹20,000; 1 Reward Point = ₹0.25

Welcome Benefits

12,000 Reward Points (4,000 on joining + 4,000 each on ₹20,000 spend in statement cycles 2 & 3) + up to ₹4,000 cashback on first 4 transactions within 60 days

Card Details +

Key Advantages

  • ✓ Premium metal card design offering high status value
  • ✓ Zero foreign exchange markup fee applied on international spends
  • ✓ Generous international airport lounge policy providing 16 complimentary visits per year
  • ✓ Accelerated 10X reward point multiplier easily unlocked via a ₹20,000 monthly spend threshold

Limitations

  • ✕ Low cash conversion reward redemption parity threshold set at 1 point = ₹0.25
  • ✕ Low net effective value-back yield of just 1.66% even at the maximum 10X reward point accumulation rate
  • ✕ High upfront annual maintenance card fee barrier of ₹5,999 with an absolute absence of a spend-based fee waiver
Full Card Review →

HSBC RuPay Cashback Credit Card

3.0/5
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HSBC RuPay Cashback Credit Card by HSBC Bank
Joining Fee 1st Year Fee: ₹499* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹499* Plus Applicable Taxes
Best Suited For UPI Payments, Dining Spends, and Everyday Household Groceries via Direct Cashback
Rewards Type Cashback

Rewards Rate

10% cashback on dining, grocery, and food delivery spends; 1% cashback on other eligible spends, including UPI transactions; Cashback is capped at ₹400 per month

Welcome Benefits

₹500 cashback upon downloading and logging into the HSBC India mobile banking app and spending ₹10,000 within 30 days of card issuance (applicable till 31 Mar 2026); Complimentary 2-month EazyDiner Prime membership on card activation (if activated between 15 July 2025 and 31 Mar 2026)

Card Details +

Key Advantages

  • ✓ 10% cashback on dining, groceries and food delivery
  • ✓ 1% cashback on UPI payments via the RuPay network
  • ✓ Zero foreign exchange transaction markup fees until 30 June 2026
  • ✓ Cashback credited directly to your statement, no point conversion needed
  • ✓ Fee waived on ₹2 lakh in annual spend

Limitations

  • ✕ Tight monthly billing cycle cashback earning cap strictly limited to a maximum of ₹400
  • ✕ Completely excludes all international and foreign currency spends from earning any cashback value back
  • ✕ Extensive list of day-to-day transaction exclusions (fuel, utilities, insurance, rent, wallet top-ups, education, and govt fees) that yield zero cashback returns
Full Card Review →

Axis Bank Primus Credit Card

4.0/5
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Axis Bank Primus Credit Card by Axis Bank
Joining Fee ₹50,000* Plus Applicable Taxes
Annual Fee ₹50,000* Plus Applicable Taxes
Best Suited For Ultra-High Net Worth Individuals (UHNWIs), Elite Global Lifestyle, and High-Parity Travel Miles Conversion
Rewards Type Reward Points

Rewards Rate

1 EDGE Mile per ₹100 spent, transferable at 1:5 to 20+ airline & hotel partners including Marriott, Qatar Airways & Singapore Airlines

Welcome Benefits

Choose any 1 option from: 25,000 EDGE Miles OR an ITC Hotels e-gift card worth ₹40,000 for participating properties

Card Details +

Key Advantages

  • ✓ Choice of a substantial welcome bonus: EDGE Miles or an ITC Hotels e-gift card
  • ✓ Airport meet-and-assist and luxury vehicle transfer services included
  • ✓ Generous guest allowance for lounge visits
  • ✓ Zero forex markup on international spends
  • ✓ Companion airfare offers on select bookings

Limitations

  • ✕ Requires high up-front membership fee parameters if not optimized via private banking program balances
  • ✕ Strictly restricted via specialized invitation parameters from the issuer
  • ✕ Optimized features are predominantly weighted into global premium travel and luxury hotel categories over domestic day-to-day shopping categories
Full Card Review →

BPCL SBI Card Octane

4.0/5
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BPCL SBI Card Octane by SBI Card
Joining Fee ₹1,499* Plus Applicable Taxes
Annual Fee ₹1,499* Plus Applicable Taxes
Best Suited For High-Volume Commuters and Fuel Spends at BPCL Outlets
Rewards Type Reward Points

Rewards Rate

25X reward points (25 points per ₹100 spent) on BPCL fuel purchases (equivalent to up to 7.25% value back); 10X reward points on groceries, departmental stores, movie tickets, and dining spends

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Up to 7.25% value back on BPCL fuel purchases
  • ✓ 10X points on groceries, department stores, dining and movies
  • ✓ Domestic airport lounge access included
  • ✓ Points redeem directly for BPCL fuel

Limitations

  • ✕ Fuel surcharge waiver protections are constrained by a strict monthly ceiling cap of ₹100
  • ✕ Low absolute baseline reward cash conversion valuation parity floor (4 points = ₹1)
  • ✕ Slightly lower fuel value-back than some competing fuel cards, like IndianOil RBL XTRA
Full Card Review →

IDFC FIRST WOW! Black Credit Card

4.0/5
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IDFC FIRST WOW! Black Credit Card by IDFC FIRST Bank
Joining Fee 1st Year Fee: ₹750* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹750* Plus Applicable Taxes
Best Suited For Travel Spends, Zero Forex Markups, and New-to-Credit Builders
Rewards Type Reward Points

Rewards Rate

Up to 16.7% bonus rewards or value-back on travel booking allocations; features tiered multiplier reward rates across multiple spending categories

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Up to 16.7% value back on travel bookings
  • ✓ 0% forex markup on international spends
  • ✓ 25% discount on movie tickets
  • ✓ A useful option for building or repairing credit history, since it's FD-backed

Limitations

  • ✕ Requires upfront collateral commitment in an IDFC FIRST Fixed Deposit to back card limits
  • ✕ Standard joining fee applies, unlike the basic zero-fee unsecured variant cards
  • ✕ Top travel rewards only apply when booking through IDFC FIRST's own app or channels
Full Card Review →

BOBCARD Tiara Credit Card

3.5/5
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BOBCARD Tiara Credit Card by Bank of Baroda
Joining Fee ₹2,499* Plus Applicable Taxes
Annual Fee ₹2,499* Plus Applicable Taxes
Best Suited For Mid-range All-round Spends covering Lifestyle, Dining, and Domestic Travel
Rewards Type Reward Points

Rewards Rate

15 reward points for every ₹100 spent on dining, travel, and international transactions; 3 reward points for every ₹100 spent on other standard retail categories

Welcome Benefits

Complimentary annual memberships to Amazon Prime or Jio Hotstar, and Gaana Plus, plus a 3-month Swiggy One membership

Card Details +

Key Advantages

  • ✓ Unlimited complimentary domestic airport lounge access
  • ✓ 15 reward points per ₹100 on dining, travel and international spends
  • ✓ 2% forex markup on overseas transactions, better than most cards at this fee
  • ✓ Free annual subscription to Amazon Prime or Jio Hotstar plus 3 months of Swiggy One
  • ✓ Preventive health checkup package for women cardholders

Limitations

  • ✕ Low cash conversion reward redemption parity threshold set at 4 points = ₹1
  • ✕ Strict monthly capping limits enforced on accelerated 5X reward accumulations
  • ✕ Complete exclusion of automotive fuel purchases from generating any baseline reward points
  • ✕ Total absence of international lounge terminal access benefits
Full Card Review →

IDFC FIRST Gaj Metal Credit Card

3.5/5
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IDFC FIRST Gaj Metal Credit Card by IDFC FIRST Bank
Joining Fee 1st Year Fee: ₹12,500* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹12,500* Plus Applicable Taxes
Best Suited For High Spenders & Frequent Travelers Seeking Strong Travel Redemption Value
Rewards Type Reward Points

Rewards Rate

33.33% value-back on travel spends (50 reward points per ₹150 spent on hotel bookings and 25 reward points per ₹150 spent on flight bookings via Travel & Shop); 3.33% value-back on regular spends (5 reward points per ₹150); 3 reward points per ₹150 spent internationally; 1 reward point per ₹150 spent on UPI, insurance, utilities, rent, government, wallet load, railways, Fastag, and education

Welcome Benefits

12,500 reward points (worth ₹12,500) upon payment of the joining or renewal fee; 25% off up to ₹5,000 on select 5-star hotel bookings via the IDFC FIRST mobile app on spending ₹1 Lakh within the first 60 days

Card Details +

Key Advantages

  • ✓ Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
  • ✓ True 1:1 reward currency parity redemption ratio against flights and hotels
  • ✓ Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
  • ✓ Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
  • ✓ Trip cancellation insurance included at no extra cost

Limitations

  • ✕ High upfront annual entry card fee barrier of ₹12,500
  • ✕ Ongoing lounge benefits are limited to 16 complimentary domestic and international visits per year
  • ✕ Reward redemptions against merchandise or vouchers carry a degraded parity ratio (4 points = ₹1)
Full Card Review →

Standard Chartered Ultimate Credit Card

3.5/5
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Standard Chartered Ultimate Credit Card by Standard Chartered
Joining Fee Rs. 5,000 + Taxes
Annual Fee Rs. 5,000 + Taxes
Best Suited For Premium-type Reward Multipliers, High Base Points Accrual, and Golf Privileges
Rewards Type Reward Points

Rewards Rate

5 reward points for every ₹150 spent across all standard categories (3.33% reward yield parity)

Welcome Benefits

Premium welcome benefits up to Rs. 5,000 value pack matching the upfront onboarding fees

Card Details +

Key Advantages

  • ✓ 5 reward points per ₹150 spent, a 3.33% return rate across all categories
  • ✓ 2% forex markup on international spends
  • ✓ Complimentary golf games and coaching sessions
  • ✓ Welcome benefits worth roughly ₹5,000, close to offsetting the joining fee

Limitations

  • ✕ Strict exclusions applied across key day-to-day categories including fuel and cash advances
  • ✕ Reward points accrued on card renewal are forfeited if fee payments are processed via promotional EMI conversions
  • ✕ No automatic ongoing lifestyle milestone benefits provided outside standard tier paths
Full Card Review →

IndiGo Kotak XL Credit Card

3.5/5
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IndiGo Kotak XL Credit Card by Kotak Bank
Joining Fee 1st Year Fee: ₹3,000* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹3,000* Plus Applicable Taxes
Best Suited For Frequent IndiGo Flyers
Rewards Type Reward Points

Rewards Rate

Up to 21 BluChips per ₹100 spent strictly across authorized IndiGo ticket/service purchase streams

Welcome Benefits

BluChip vouchers worth up to ₹16,000 every year (subject to specific onboarding/annual spend behaviors)

Card Details +

Key Advantages

  • ✓ Up to 21 BluChips per ₹100 spent on IndiGo bookings
  • ✓ Up to ₹16,000 in BluChip vouchers annually, tied to spend milestones
  • ✓ Up to 8 domestic lounge visits a year with achievable quarterly targets

Limitations

  • ✕ High baseline joining/annual renewal fee overhead of ₹3,000
  • ✕ Lacks substantial lifestyle milestone optimization outside of the core airline point system
  • ✕ Rewards can only be redeemed for IndiGo flights, with no other redemption options
Full Card Review →

IDFC FIRST Ashva Credit Card

3.5/5
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IDFC FIRST Ashva Credit Card by IDFC FIRST Bank
Joining Fee 1st Year Fee: ₹2,999* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹2,999* Plus Applicable Taxes
Best Suited For Premium Multi-category Rewards, Low Foreign Exchange Markups, and Domestic Lounge Access
Rewards Type Reward Points

Rewards Rate

Up to 10X rewards on every spend

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ High-frequency reward potential offering up to 10X reward multipliers on everyday spends
  • ✓ Highly competitive, low foreign exchange markup fee optimized at just 1%
  • ✓ Generous domestic travel integration providing up to 16 complimentary lounge visits per year

Limitations

  • ✕ Upfront joining and annual fee barrier of ₹2,999
  • ✕ Value yield is mostly optimized around domestic lounge networks over international variants
Full Card Review →

Axis Bank Cashback Credit Card

3.5/5
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Axis Bank Cashback Credit Card by Axis Bank
Joining Fee 1st Year Fee: ₹1,000* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹1,000* Plus Applicable Taxes
Best Suited For Online Shoppers seeking milestone tier-based cashback yields over multiple digital brands
Rewards Type Cashback

Rewards Rate

Tier-based monthly cashback structure: 2% cashback on monthly online spends up to ₹5,000; 5% cashback on monthly online spends between ₹5,001 to ₹40,000; 7% cashback on monthly online spends above ₹40,000 (Online cashback capped at ₹4,000 per month). 0.75% unlimited cashback on offline & travel spends; 0.5% cashback on utility spends (capped at ₹100 per month).

Welcome Benefits

5,000 EDGE reward points worth ₹1,000 on the first spend within 30 days of card issuance

Card Details +

Key Advantages

  • ✓ Up to 7% cashback on monthly online spends above ₹40,000
  • ✓ Welcome bonus offsets the first-year fee
  • ✓ 25% discount on dining bills via EazyDiner
  • ✓ Unlimited 0.75% cashback on offline and travel spends

Limitations

  • ✕ Overall monthly online cashback collection pool is strictly capped at a maximum of ₹4,000
  • ✕ Utility bill payments carry a heavily restricted monthly cashback limit of just ₹100
  • ✕ Requires high online expenditure volume tracking to optimally hit and unlock the upper 7% multiplier target
Full Card Review →

Swiggy HDFC Credit Card

4.4/5
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Swiggy HDFC Credit Card by HDFC Bank
Joining Fee ₹500 + Taxes
Annual Fee ₹500 + Taxes
Best Suited For Heavy Swiggy Food, Grocery, Instamart Users & E-Commerce Shoppers
Rewards Type Reward Points

Rewards Rate

10% cashback on Swiggy app; 5% on online shopping across 1000+ top apps; 1% on other retail

Welcome Benefits

Complimentary 3-month Swiggy One membership worth ₹1,199 on activation

Card Details +

Key Advantages

  • ✓ 10% cashback on Swiggy Food, Instamart, Dineout and Genie
  • ✓ 5% cashback across 1,000+ other online platforms including Amazon, Myntra and Nykaa
  • ✓ Cashback credited directly to your Swiggy Money wallet

Limitations

  • ✕ Cashback is capped monthly per category, not unlimited
  • ✕ No airport lounge access
Full Card Review →

SBI Card ELITE

3.5/5
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SBI Card ELITE by SBI Card
Joining Fee ₹4,999* Plus Applicable Taxes
Annual Fee ₹4,999* Plus Applicable Taxes
Best Suited For High-Volume Everyday Spends on Groceries, Dining & Movies
Rewards Type Reward Points

Rewards Rate

5X Reward Points (10 points per ₹100 spent) on Dining, Groceries, and Departmental Store spends (equivalent to a 2.5% value back); 2 Reward Points per ₹100 spent on all other regular retail purchases (equivalent to a 0.5% value back); 4 Reward Points = ₹1

Welcome Benefits

Welcome gift vouchers worth ₹5,000 upon card activation from choice of brand partners (Bata/Hush Puppies, Pantaloons, Yatra, Shoppers Stop, or Aditya Birla Fashion); Complimentary 1-year Club ITC membership unlocking a 50% discount on the 2nd-night stay at participating ITC Hotels

Card Details +

Key Advantages

  • ✓ Welcome brand vouchers fully offset the upfront first-year joining fee barrier
  • ✓ Excellent complimentary movie ticket benefit worth ₹6,000 every year via BookMyShow
  • ✓ Airport lounge access covering both domestic and international terminals
  • ✓ Competitive low foreign currency exchange transaction markup fee of 1.99%

Limitations

  • ✕ Accelerated reward categories cap out at a 2.5% value back, which underperforms compared to select lower-fee cards
  • ✕ Extremely weak base reward rate of 0.5% for general transactions outside accelerated tiers
  • ✕ High ongoing annual retail spend threshold of ₹10 Lakh required to trigger the renewal fee waiver
  • ✕ Previously included travel memberships like Club Vistara Silver and Trident Red Tier have since been discontinued
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SBI SimplyCLICK Credit Card

4.2/5
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SBI SimplyCLICK Credit Card by SBI Card
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Best Suited For Online Shoppers & Digital-First Spenders
Rewards Type Cashback

Rewards Rate

10X on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds & Ureeka; 5X all online; 1X offline

Welcome Benefits

₹500 Amazon Gift Card on joining

Card Details +

Key Advantages

  • ✓ 10X rewards on Amazon
  • ✓ ₹500 Amazon Gift Card as welcome bonus
  • ✓ 5X on all other online spends
  • ✓ Annual fee waived on just ₹1 Lakh annual online spend
  • ✓ ₹2,000 Cleartrip e-voucher milestone on ₹1 Lakh annual online spends

Limitations

  • ✕ Only 1X rewards on offline spends, weak for in-store use
  • ✕ Reward points expire after 2 years
  • ✕ No lounge access benefits
  • ✕ High finance charges of 3.5% per month
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LIC Cards Credit Cards at a Glance

Best LIC Cards Credit Cards Comparison Table
Card Fee Rating
1. LIC Signature Credit Card Free ★ 4.5 View →
2. Slice Credit Card Free ★ 4.4 View →
3. CUB SalarySe Level Up Credit Card ₹0 (Virtual) / ₹500 + GST (Physical) ★ 4.4 View →
4. Times Black ICICI Bank Credit Card ₹20,000 + Applicable Taxes ★ 4.2 View →
5. IndiGo IDFC First Dual FD Credit Card Free ★ 4.0 View →
6. ICICI Bank HPCL Super Saver Credit Card Joining/Annual Fee: ₹500 + Taxes ★ 4.0 View →
7. HSBC Live+ Credit Card Free ★ 4.0 View →
8. Axis Bank REWARDS Credit Card ₹1,000 + Taxes ★ 4.0 View →
9. Standard Chartered EaseMyTrip Credit Card ₹350 + Taxes ★ 3.5 View →
10. IDFC FIRST Hello Cashback Credit Card ₹1,000* Plus Applicable Taxes ★ 3.5 View →
11. HSBC Premier MasterCard Credit Card 1st Year Fee: ₹12,000 + Taxes; 2nd Year Onwards: ₹20,000 + Taxes ★ 3.0 View →
12. IDFC FIRST Mayura Credit Card ₹5,999* Plus Applicable Taxes ★ 3.0 View →
13. HSBC RuPay Cashback Credit Card 1st Year Fee: ₹499* Plus Applicable Taxes ★ 3.0 View →
14. Axis Bank Primus Credit Card ₹50,000* Plus Applicable Taxes ★ 4.0 View →
15. BPCL SBI Card Octane ₹1,499* Plus Applicable Taxes ★ 4.0 View →
16. IDFC FIRST WOW! Black Credit Card 1st Year Fee: ₹750* Plus Applicable Taxes ★ 4.0 View →
17. BOBCARD Tiara Credit Card ₹2,499* Plus Applicable Taxes ★ 3.5 View →
18. IDFC FIRST Gaj Metal Credit Card 1st Year Fee: ₹12,500* Plus Applicable Taxes ★ 3.5 View →
19. Standard Chartered Ultimate Credit Card Rs. 5,000 + Taxes ★ 3.5 View →
20. IndiGo Kotak XL Credit Card 1st Year Fee: ₹3,000* Plus Applicable Taxes ★ 3.5 View →
21. IDFC FIRST Ashva Credit Card 1st Year Fee: ₹2,999* Plus Applicable Taxes ★ 3.5 View →
22. Axis Bank Cashback Credit Card 1st Year Fee: ₹1,000* Plus Applicable Taxes ★ 3.5 View →
23. Swiggy HDFC Credit Card ₹500 + Taxes ★ 4.4 View →
24. SBI Card ELITE ₹4,999* Plus Applicable Taxes ★ 3.5 View →
25. SBI SimplyCLICK Credit Card ₹499 + Taxes ★ 4.2 View →

Frequently Asked Questions

Is the LIC Signature Credit Card issued directly by LIC?

No, it's issued in partnership with a banking partner (variants exist with SBI Card and Axis Bank), since LIC itself doesn't issue credit cards independently.

What income is required for the LIC Signature Credit Card?

Applicants generally need a minimum net income of ₹15 lakh per annum, reflecting its premium positioning.

What are the key benefits of LIC credit cards?

Benefits typically include complimentary airport lounge visits and accelerated reward points on LIC premium payments and international spends.

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