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AU Zenith Plus 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 Plus Credit Card versus LIC Axis Bank Signature Credit Card compared
FeatureAU Zenith Plus Credit CardAU Zenith Plus Credit CardAU Small Finance Bank4 recent changes →
LIC Axis Bank Signature Credit CardLIC Axis Bank Signature Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards1% base, up to 2% on dining0.95% base, up to 1.9% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%0.95%
Dining and food delivery2%0.95%
Groceries1%0.95%
Travel: flights, hotels, trains2%0.95%
FuelsameEarns nothingEarns nothing
Bills and recharges1%Earns nothing
Rent1%Earns nothing
Insurance premiums1%0.95%; 1.9% only at LIC
School and college fees1%Earns nothing
Wallet top-ups1%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency2%1.9%
Everything else1%0.95%
Card identity
Card typeDiningInternational
NetworksameVisaVisa
Card tierPremiumEntry
Fees
Joining fee₹4,999 + GSTFree
Annual fee₹4,999 + GSTFree
Lifetime freeNoYes
Fee waived at₹8,00,000-
Eligibility
Min age21 years18 years
Max age65 years70 years
Employment typesameBOTHBOTH
Min monthly salary₹2,50,000-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹1,000₹400
Lounge access
Domestic lounge visits168
International lounge visits160
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge condition4 complimentary domestic lounge visits per quarter (16/year) plus 4 international visits per quarter via Priority Pass (16/year), unconditional with no spend gateSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup0.99%3.5%
Interest and charges
Interest rate (monthly)1.99%3.75%
Interest rate (annual)23.88%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 Plus Credit Card
Rewards a year
₹3,000
Fee a year
- ₹5,899
You keep
- ₹2,899
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 ₹5,755 a year ahead of AU Zenith Plus 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 Plus Credit Card
  • Frequent flyers
  • High earners who spend abroad
  • Golfers
LIC Axis Bank Signature Credit Card
  • LIC policyholders
  • Salaried people wanting a free all-rounder
  • Occasional domestic flyers

Watch-Outs

AU Zenith Plus Credit Card
  • Needs a monthly income of around ₹2,50,000
  • Waiver needs Rs 8 lakh a year
  • ₹4,999 fee from the second year 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 Plus 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 Plus 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 Plus Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Zenith Plus Credit Card has the lowest forex markup. AU Zenith Plus Credit Card: 0.99%; 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: AU Zenith Plus Credit Card 1%, LIC Axis Bank Signature Credit Card 0.95%. 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 Plus Credit Card: 16 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.

Work Out the Numbers

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