{
  "id": "axis-lic-platinum-credit-card",
  "locale": "hi",
  "name": "LIC Axis Bank Platinum Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹0 (लाइफटाइम फ्री / LTF)",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "LIC बीमा प्रीमियम पर 2% (2 RP/₹100) · 1% अन्य खर्च · 1 पॉइंट = ₹1.00 · 100% LTF",
  "bestFor": "LIC पॉलिसीधारक, शुरुआती वेतनभोगी, बीमा प्रीमियम भुगतान और शून्य वार्षिक शुल्क",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/lic-axis-bank-platinum-credit-card",
  "aiVerdict": {
    "score": 4.4,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "axis-lic-platinum-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank & LIC — Platinum Credit Card schedule of charges",
    "LIC Cops & Axis Bank — 2X insurance reward points terms"
  ],
  "feeWaiver": "लाइफटाइम फ्री — कोई वार्षिक शुल्क नहीं",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "LIC बीमा प्रीमियम",
      "value": "2% (2 RP / ₹100, 1 Pt=₹1)"
    },
    {
      "key": "अन्य सभी खर्च",
      "value": "1% (1 RP / ₹100)"
    },
    {
      "key": "पॉइंट का मूल्य",
      "value": "1 पॉइंट = ₹1.00"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹0 लाइफटाइम फ्री"
    },
    {
      "key": "जॉइनिंग शुल्क",
      "value": "₹0 लाइफटाइम फ्री"
    },
    {
      "key": "आय पात्रता",
      "value": "₹20,000 / माह वेतन"
    }
  ],
  "earnRates": [
    {
      "category": "LIC जीवन बीमा प्रीमियम भुगतान",
      "rate": "2.0% Valueback (2 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "2,000 Plus Pts (₹2,000 value)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "1.0% Valueback (1 RP / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 Plus Pts (₹1,000 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 Plus Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "LIC बीमा प्रीमियम्स",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "प्रति ₹100 खर्च पर 2 प्लस पॉइंट्स।"
    },
    {
      "channel": "सामान्य रिटेल खर्च",
      "multiplier": "Base",
      "rate": "1.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "प्रति ₹100 खर्च पर 1 प्लस पॉइंट।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹1.00 / Plus Point",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट क्रेडिट",
      "value": "₹1.00 / Plus Point",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "गैर-LIC बीमा कंपनियां (1% सामान्य दर)।",
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹0 (लाइफटाइम फ्री)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹0 (हमेशा के लिए लाइफटाइम फ्री)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "18 से 70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹20,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.5 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}