LIC Signature Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 8 complimentary domestic airport lounge visits per calendar year (limited to 2 visits per quarter).
- Requires spends of ₹50,000 in the preceding 3 calendar months to unlock access (new cardholders are exempt for the month of card issuance and the next 3 calendar months).
3.5%Forex markup
Best for
Lic Premium, Insurance, Foreign Currency, Lounge, Lifetime Free
Top rewards
LIC Premium Payments: 2 Reward Points / ₹100 spent; International Spends: 2 Reward Points / ₹100 spent; All Other Eligible Spends: 1 Reward Point / ₹100 spent
Celesta Credit Card
Rs 0Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic airport lounge visits per quarter (subject to minimum spend of ₹60,000 in the preceding quarter).
- 2 complimentary international airport lounge visits per calendar year.
2%Forex markup
Best for
Travel, Lounge, Dining, International, Lifetime Free, Premium
Top rewards
Travel Spends: 3 Reward Points / ₹100 spent; International Spends: 3 Reward Points / ₹100 spent; Dining Spends: 2 Reward Points / ₹100 spent
| Feature | LIC Signature Credit Card | Celesta Credit Card |
|---|---|---|
| Issuer | Axis Bank | Federal Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Lic Premium, Insurance, Foreign Currency, Lounge, Lifetime Free | Travel, Lounge, Dining, International, Lifetime Free, Premium |
| Top reward categories | LIC Premium Payments: 2 Reward Points / ₹100 spent; International Spends: 2 Reward Points / ₹100 spent; All Other Eligible Spends: 1 Reward Point / ₹100 spent | Travel Spends: 3 Reward Points / ₹100 spent; International Spends: 3 Reward Points / ₹100 spent; Dining Spends: 2 Reward Points / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 8 | 8 |
| International lounge | 0 | 2 |
| Forex markup | 3.5% | 2% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1667 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | fuel, wallet load, emi conversions, rent, education payments via third-party apps, utilities above fee threshold | Fuel transactions, Cash advance transactions, Rent payments, Wallet loading transactions, EMI transactions, Government transactions |