LIC Axis Bank 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 Rs 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 / Rs 100 spent; International spends: 2 Reward Points / Rs 100 spent; All other eligible spends: 1 Reward Point / Rs 100 spent
Scapia Federal Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic airport lounge access requires a minimum spend of Rs 20,000 in the preceding calendar month.
- Effective February 27, 2026, insurance spends (MCC 6300) and utility transactions (including telecom, internet, cable, and communication services under MCC 4900, 4812, 4814, 4816, and 4899) are excluded from earning Scapia Coins and do not count towards the domestic lounge spend milestone.
0%Forex markup
Best for
travel, zero forex, lounge, upi, lifetime free
Top rewards
Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins
| Feature | LIC Axis Bank Signature Credit Card | Scapia Federal Credit Card |
|---|---|---|
| Issuer | Axis Bank | Federal Bank |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | reward points | scapia coins |
| Best for | lic premium, insurance, foreign currency, lounge, lifetime free | travel, zero forex, lounge, upi, lifetime free |
| Top reward categories | LIC Premium payments: 2 Reward Points / Rs 100 spent; International spends: 2 Reward Points / Rs 100 spent; All other eligible spends: 1 Reward Point / Rs 100 spent | Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | Unlimited |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 0% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Air miles: upto Rs 0.2 per point |
| Key exclusions | fuel, wallet load, emi conversions, rent, education payments via third-party apps, utilities above fee threshold | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |