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LIC Axis Bank Signature vs AU Xcite Ultra 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 Xcite Ultra Credit Card compared
FeatureLIC Axis Bank Signature Credit CardLIC Axis Bank Signature Credit CardAxis Bank5 recent changes →
AU Xcite Ultra Credit CardAU Xcite Ultra Credit CardAU Small Finance Bank5 recent changes →
Rewards by spend
Rewards0.95% base, up to 1.9% on foreign spends1% base, up to 3% on foreign spends
UPI payments (scan and pay)Earns nothing1%
Online shopping0.95%2%
Dining and food delivery0.95%1%
Groceries0.95%1%
Travel: flights, hotels, trains0.95%1%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.25%
RentsameEarns nothingEarns nothing
Insurance premiums0.95%; 1.9% only at LIC0.25%
School and college feessameEarns nothingEarns nothing
Wallet top-upsEarns nothing1%
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1.9%3%
Everything else0.95%1%
Card identity
Card typesameInternationalInternational
NetworkVisaRuPay
Card tierEntryMid
Fees
Joining feeFree₹749 + GST
Annual feeFree₹749 + GST
Lifetime freeYesNo
Fee waived at-₹2,00,000
Eligibility
Min age18 years21 years
Max age70 years65 years
Employment typesameBOTHBOTH
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹400₹100
Lounge access
Domestic lounge visitssame88
International lounge visitssame00
Railway lounge visits-8
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 markup3.5%3.49%
UPI rewards
Works on UPINoYes
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

LIC Axis Bank Signature Credit Card
Rewards a year
₹2,856
Fee a year
₹0
You keep
₹2,856
AU Xcite Ultra Credit Card
Rewards a year
₹3,600
Fee a year
₹0
You keep
₹3,607

At this spend, AU Xcite Ultra Credit Card comes out ₹751 a year ahead of LIC Axis Bank Signature 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 Xcite Ultra Credit Card
  • Foreign spends: 3% back
  • Online shopping: 2% back
  • Spending ₹16,667 or more a month: the ₹884 fee is waived
  • Flyers: 8 airport lounge visits a year

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 Xcite Ultra Credit Card
  • Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹884 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 rarely spend on foreign spends: the 3% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend

Card data sourced via CardAdvisor.in (LIC Axis Bank Signature Credit Card, AU Xcite Ultra 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 Xcite Ultra Credit Card?

LIC Axis Bank Signature Credit Card. LIC Axis Bank Signature Credit Card: no annual fee; AU Xcite Ultra Credit Card: ₹749. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Xcite Ultra Credit Card has the lowest forex markup. AU Xcite Ultra 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: AU Xcite Ultra 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?

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