LIC Classic vs SpiceJet Axis Bank Voyage 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.
| Feature |  LIC Classic Credit CardIDFC First Bank7 recent changes → |  SpiceJet Axis Bank Voyage Credit CardAxis Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.6% on most spends; 1.2% only at partner merchants | 0.75% base, up to 1.5% on dining; 4.5% only at partner merchants | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.6% | 0.75% | |
| Dining and food delivery | 0.6% | 1.5% | |
| Groceries | 0.6% | 0.75% | |
| Travel: flights, hotels, trains | 0.6% | 0.75%; 4.5% only at SpiceJet | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.6%; 1.2% only at LIC insurance premium payments made on LIC of India's official website | 1.5% | |
| Rent | Earns nothing | 0.75% | |
| Insurance premiums | Earns nothing | 0.75% | |
| School and college fees | 0.6% | 0.75% | |
| Wallet top-ups | 0.6% | Earns nothing | |
| Taxes and government payments | 0.6% | Not stated | |
| Spend abroad or in a foreign currency | Earns nothing | 0.75% | |
| Everything else | 0.6% | 0.75% | |
| Streaming subscriptions | - | 1.5% | |
| Card identity | |||
| Card type | Utility bills | Travel | |
| Network | Mastercard | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | Free | ₹750 + GST | |
| Annual fee | Free | ₹750 + GST | |
| Lifetime free | Yes | No | |
| Eligibility | |||
| Min age | - | 18 years | |
| Max age | - | 70 years | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹400 | |
| Lounge access | |||
| Domestic lounge visitssame | 4 | 4 | |
| International lounge visitssame | 0 | 0 | |
| Railway lounge visits | 8 | - | |
| Lounge condition | 1 domestic airport + 2 railway lounge visits per quarter | Spend Rs 50,000 in the previous quarter for domestic lounge access | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Redemption | |||
| Redemption fee | ₹99 | - | |
| Page content | |||
| Documents needed | PAN card Aadhaar / valid address proof Income proof (salary slips or ITR) | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,440
- Fee a year
- ₹0
- You keep
- ₹1,440
- Rewards a year
- ₹2,256
- Fee a year
- - ₹885
- You keep
- ₹1,371
At this spend, LIC Classic Credit Card comes out ₹69 a year ahead of SpiceJet Axis Bank Voyage 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
- Utility bills only at LIC insurance premium payments made on LIC of India's official website: 1.2% back
- Anyone who wants no annual fee, ever
- Flyers: 4 airport lounge visits a year
- Spending abroad: 0% markup, most cards add 3.5%
- Travel only at SpiceJet: 4.5% back
- Dining: 1.5% back
- Flyers: 4 airport lounge visits a year
Watch-Outs
- Skip it if most of your spending is fuel, rent, insurance or foreign spends: 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 LIC insurance premium payments made on LIC of India's official website: the 1.2% rate applies only there, everything else earns 0.6%
- Skip it if you spend less than ₹10,000 a month: below that the ₹885 fee costs more than the rewards
- Skip it if most of your spending is fuel or wallet top-ups: 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 spend a lot on government payments: the card's terms do not state a rate there, so we count nothing
Card data sourced via CardAdvisor.in (LIC Classic Credit Card, SpiceJet Axis Bank Voyage Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, LIC Classic Credit Card or SpiceJet Axis Bank Voyage Credit Card?
LIC Classic Credit Card. LIC Classic Credit Card: no annual fee; SpiceJet Axis Bank Voyage Credit Card: ₹750. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
LIC Classic Credit Card has the lowest forex markup. LIC Classic Credit Card: 0%; SpiceJet Axis Bank Voyage 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: SpiceJet Axis Bank Voyage Credit Card 0.75%, LIC Classic Credit Card 0.6%. 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 Classic Credit Card: 4 domestic lounge visits a year; SpiceJet Axis Bank Voyage Credit Card: 4 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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Guides in Plain Words
Short reads that explain how it works before you decide.
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