Visa Platinum Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Lifetime Free, Rewards, Air Miles, Fuel, Travel
Top rewards
Travel Spends (Travel With Points): 12 Reward Points / ₹150 spent via Travel with Points; Other Eligible Spends: 2 Reward Points / ₹150 spent
LIC Platinum Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Lic Premium, Insurance, Foreign Currency, Lifetime Free, Rewards
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
| Feature | Visa Platinum Credit Card | LIC Platinum Credit Card |
|---|---|---|
| Issuer | HSBC Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Reward Points |
| Best for | Lifetime Free, Rewards, Air Miles, Fuel, Travel | Lic Premium, Insurance, Foreign Currency, Lifetime Free, Rewards |
| Top reward categories | Travel Spends (Travel With Points): 12 Reward Points / ₹150 spent via Travel with Points; Other Eligible Spends: 2 Reward Points / ₹150 spent | LIC Premium Payments: 2 Reward Points / ₹100 spent; International Spends: 2 Reward Points / ₹100 spent; All Other Eligible Spends: 1 Reward Point / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Air miles: upto ₹ 0.5 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, Wallet loading transactions, Educational spends, Government-related transactions, Insurance premium payments | fuel, wallet load, emi conversions, rent, education payments via third-party apps, utilities above fee threshold |