{
  "id": "axis-lic-signature-credit-card",
  "locale": "hinglish",
  "name": "LIC Axis Bank Signature Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "premium",
  "annualFee": "₹0 (Lifetime Free / LTF)",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr on ₹50k spend)",
  "rewardsRate": "2% on LIC Insurance Premiums (2 RP/₹100) · 2% Foreign Spends · 8 Lounges",
  "bestFor": "LIC policyholders, life insurance premium payments, international spending & domestic lounges",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/lic-axis-bank-signature-credit-card",
  "aiVerdict": {
    "score": 6.1,
    "summary": "Its modest reward rate and lifetime-free pricing offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2,
  "affiliateId": "axis-lic-signature-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 — Signature Credit Card schedule of charges",
    "LIC Cops & Axis Bank — 2X insurance premium reward points terms"
  ],
  "feeWaiver": "Lifetime Free — No annual fee forever",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "LIC Insurance",
      "value": "2% (2 RP / ₹100, 1 Pt=₹1)"
    },
    {
      "key": "Foreign Spends",
      "value": "2% (2 RP / ₹100)"
    },
    {
      "key": "All Other Spends",
      "value": "1% (1 RP / ₹100)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹0 Lifetime Free"
    },
    {
      "key": "Point Value",
      "value": "1 Point = ₹1.00"
    }
  ],
  "earnRates": [
    {
      "category": "LIC Insurance Premium Payments",
      "rate": "2.0% Valueback (2 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Plus Pts (₹2,000 value)"
    },
    {
      "category": "International Foreign Spends",
      "rate": "2.0% Valueback (2 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Plus Pts (₹2,000 value)"
    },
    {
      "category": "All Other Domestic Retail",
      "rate": "1.0% Valueback (1 RP / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Plus Pts (₹1,000 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Plus Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "LIC Insurance Premiums",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 Plus Points per ₹100 spent."
    },
    {
      "channel": "International Spends",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 Plus Points per ₹100 spent."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹1.00 / Plus Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Credit",
      "value": "₹1.00 / Plus Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Non-LIC insurance companies (standard 1% rate).",
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹400–₹4,000)."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹50,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}