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AU Zenith vs LIC Axis Bank Signature Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU Zenith Credit Card versus LIC Axis Bank Signature Credit Card compared
FeatureAU Zenith Credit CardAU Zenith Credit CardAU Small Finance Bank7 recent changes →
LIC Axis Bank Signature Credit CardLIC Axis Bank Signature Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards0.75% base, up to 1.25% on dining0.95% base, up to 1.9% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.75%0.95%
Dining and food delivery1.25%0.95%
Groceries1.25%0.95%
Travel: flights, hotels, trains0.75%0.95%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.25%0.95%; 1.9% only at LIC
School and college feessameEarns nothingEarns nothing
Wallet top-ups0.75%Earns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1.25%1.9%
Everything else0.75%0.95%
Card identity
Card typeDiningInternational
NetworksameVisaVisa
Card tierPremiumEntry
Fees
Joining fee₹7,999 + GSTFree
Annual fee₹7,999 + GSTFree
Lifetime freeNoYes
Fee waived at₹5,00,000-
Eligibility
Min age21 years18 years
Max age65 years70 years
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100₹400
Lounge access
Domestic lounge visitssame88
International lounge visits80
Railway lounge visits8-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionsameSpend Rs 50,000 in the previous quarter for domestic lounge accessSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup3.49%3.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

AU Zenith Credit Card
Rewards a year
₹2,112
Fee a year
- ₹9,439
You keep
- ₹7,327
LIC Axis Bank Signature Credit Card
Rewards a year
₹2,856
Fee a year
₹0
You keep
₹2,856

At this spend, LIC Axis Bank Signature Credit Card comes out ₹10,183 a year ahead of AU Zenith Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU Zenith Credit Card
  • High spenders who can reach Rs 5 lakh a year
  • Occasional international travellers
  • People who want concierge service
LIC Axis Bank Signature Credit Card
  • LIC policyholders
  • Salaried people wanting a free all-rounder
  • Occasional domestic flyers

Watch-Outs

AU Zenith Credit Card
  • Reward rates were cut in January 2026
  • No points on rent, fuel, education, government, EMI or BBPS bills
  • Domestic lounges need Rs 50,000 spend in the previous quarter
  • ₹7,999 fee is steep if you miss the waiver
LIC Axis Bank Signature Credit Card
  • Lounge visits depend on quarterly spend
  • 3.5% forex fee
  • Needs Rs 30,000 monthly income

Card data sourced via CardAdvisor.in (AU Zenith Credit Card, LIC Axis Bank Signature Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Zenith Credit Card or LIC Axis Bank Signature Credit Card?

LIC Axis Bank Signature Credit Card. LIC Axis Bank Signature Credit Card: no annual fee; AU Zenith Credit Card: ₹7,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Zenith Credit Card has the lowest forex markup. AU Zenith Credit Card: 3.49%; LIC Axis Bank Signature Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: LIC Axis Bank Signature Credit Card 0.95%, AU Zenith Credit Card 0.75%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

AU Zenith Credit Card: 8 domestic lounge visits a year; LIC Axis Bank Signature Credit Card: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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