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LIC Axis Bank Signature vs AU Traverse 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.

LIC Axis Bank Signature Credit Card versus AU Traverse Credit Card compared
FeatureLIC Axis Bank Signature Credit CardLIC Axis Bank Signature Credit CardAxis Bank5 recent changes →
AU Traverse Credit CardAU Traverse Credit CardAU Small Finance Bank4 recent changes →
Rewards by spend
Rewards0.95% base, up to 1.9% on foreign spends0.5% base, up to 1% on foreign spends
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.95%0.5%
Dining and food delivery0.95%0.5%
Groceries0.95%0.5%
Travel: flights, hotels, trains0.95%0.5%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.25%
RentsameEarns nothingEarns nothing
Insurance premiums0.95%; 1.9% only at LIC0.5%
School and college feessameEarns nothingEarns nothing
Wallet top-upsEarns nothing0.5%
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1.9%1%
Everything else0.95%0.5%
Card identity
Card typesameInternationalInternational
NetworksameVisaVisa
Card tierEntryPremium
Fees
Joining feeFree₹4,999 + GST
Annual feeFree₹4,999 + GST
Lifetime freeYesNo
Fee waived at-₹6,00,000
Eligibility
Min agesame18 years18 years
Max age70 years75 years
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹400₹250
Lounge access
Domestic lounge visitssame88
International lounge visits08
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access2 complimentary domestic and international airport lounge visits per quarter
Forex and international
Forex markup3.5%0.99%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPassport and valid visa / NRI status proof PAN card or Form 60 NRE banking account and NRE Fixed Deposit account with AU Small Finance Bank Overseas / Indian address proof
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

LIC Axis Bank Signature Credit Card
Rewards a year
₹2,856
Fee a year
₹0
You keep
₹2,856
AU Traverse Credit Card
Rewards a year
₹1,500
Fee a year
- ₹5,899
You keep
- ₹2,622

At this spend, LIC Axis Bank Signature Credit Card comes out ₹5,478 a year ahead of AU Traverse 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

LIC Axis Bank Signature Credit Card
  • LIC policyholders
  • Salaried people wanting a free all-rounder
  • Occasional domestic flyers
AU Traverse Credit Card
  • Foreign spends: 1% back
  • Spending ₹50,000 or more a month: the ₹5,899 fee is waived
  • Flyers: 16 airport lounge visits a year
  • Spending abroad: 0.99% markup, most cards add 3.5%

Watch-Outs

LIC Axis Bank Signature Credit Card
  • Lounge visits depend on quarterly spend
  • 3.5% forex fee
  • Needs Rs 30,000 monthly income
AU Traverse Credit Card
  • Skip it if you spend less than ₹50,000 a month (₹6,00,000 a year, rent and wallet loads not counted): the ₹5,899 fee is then charged
  • Skip it if most of your spending is fuel, rent, education or government payments: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on foreign spends: the 1% rate applies only there, everything else earns 0.5%

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

Questions People Ask

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

LIC Axis Bank Signature Credit Card. LIC Axis Bank Signature Credit Card: no annual fee; AU Traverse Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Traverse Credit Card has the lowest forex markup. AU Traverse 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: LIC Axis Bank Signature Credit Card 0.95%, AU Traverse Credit Card 0.5%. 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?

LIC Axis Bank Signature Credit Card: 8 domestic lounge visits a year; AU Traverse 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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