Axis Bank
The entry LIC tier: lifetime-free, with the same 2 points per ₹100 on LIC premiums and foreign spend, but no lounge access at all.
Reward points
No ₹-per-point value is stated by the issuer. This card's own fee table states a ₹30 reward-redemption fee, differing from Signature's stated "No." The shared LIC Rewards Catalogue's redemption pricing implies Platinum's points are worth somewhat less per redemption than Signature's for the same gift-card reward — an inference from the catalogue's own numbers, not an issuer-stated rate. Points expire 12 months after accrual. Also includes complimentary lost-card-liability insurance cover up to the credit limit.
Taken from Axis Bank's own published terms. Last verified 30 August 2026
ICICI Bank
5% back on Amazon for Prime members and 3% without, paid into your Amazon Pay balance. Lifetime-free, but offered only to selected ICICI customers.
ICICI Bank
One lounge visit a quarter and 2 points per ₹100 on retail, at ₹500 a year waived above ₹1.5 lakh. Points buy catalogue goods, not statement credit.
ICICI Bank
A no-fee starter card earning 2 points per ₹100 on retail — the same catalogue points as Coral, without the lounge, cinema or milestone benefits.
