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LIC Axis Bank Platinum Credit Card
Step into the world of LIC Axis Bank Platinum Credit Cards – Come aboard & enjoy a powerful reward program, fuel surcharge waiver and complimentary insurance cover. Earn Reward points on every spend and earn accelerated Reward points on LIC premium payments and International Transactions.
The terms and conditions of LIC Axis Bank Platinum Credit Card will be updated w.e.f. 20th Jun 2025. Please click here to know more.
Features & Benefits
Earn Reward Points on every transaction
- Earn 2 Reward points for every ₹ 100 spent on LIC Premium payment and foreign currency
Comprehensive Insurance Cover
- Complimentary lost card liability insurance cover up to credit limit
Fuel surcharge Waiver
- 1% fuel surcharge waiver on fuel purchases at all fuel stations across India
Axis Bank Dining delights
Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program. Click here for more details and full terms & conditions.
Convert Purchases to EMI
No matter how big your credit card purchase, go right ahead. Just contact us and convert your transaction of ₹ 2500 or more into easy EMI.Click here to know more.
Fees & Charges - LIC Axis Bank Platinum Credit Card
The fees and charges for LIC Axis Bank Platinum Credit Card are applicable to all card holders. The fees include cash payment fee, joining fee and an annual fee etc.
Fees & Charges
| Charges | |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Joining Fee | Nil |
| Add-on Card Annual Fee | Nil |
| Card Replacement Fee | Nil |
| Cash Payment Fees | ₹ 175 |
| Duplicate Statement Fee | Waived |
| Charge Slip Retrieval Fee or Copy Request Fee | Waived |
| Outstation Cheque Fee | Waived |
| Mobile Alerts for Transactions | Free |
| Hotlisting Charges | Nil |
| Balance Enquiry Charges | Waived |
| Finance Charges (Retail Purchases & Cash) | 3.75% per month (55.55% per annum) |
| Cash Withdrawal Fees | 2.5% (Min. ₹ 500) of the cash amount |
| Overdue Penalty or Late Payment Fee | Nil if Total Payment Due is less than ₹ 500 ₹ 500 if total payment due is between ₹ 501 - ₹ 5,000 ₹ 750 if total payment due is between ₹ 5,001 - ₹ 10,000 ₹ 1200 if total payment due is greater than ₹ 10,000 Additional ₹ 100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until the MAD is cleared. |
| Over Limit Penalty | 2.5% of over the limit amount (Min. ₹ 500) |
| Cheque Return or Dishonour Fee or Auto-debit Reversal | 2% of the payment amount subject to Min. ₹ 500 |
| Surcharge on Purchase or Cancellation of Railway Tickets | As prescribed by IRCTC / Indian Railways |
| Foreign Currency Transaction Fee | 3.5% of the transaction value |
| Reward redemption fee | ₹ 30 |
| Rent Transaction fee (Applicable from 5th March 2023) | 1% fee per transaction will be applicable on rental transactions |
| Dynamic Currency Conversion markup (Applicable from 5th March 2023) | 1.5% will be applicable on international transactions performed in Indian currency at international location or transactions performed in Indian currency with merchants located in India but registered in foreign nation |
| Education Transaction Fee (Applicable from 20th Dec 2024) | 1% fee per transaction will be applicable on education payments made via third party apps |
| Utility Transaction Fee (Applicable from 20th Dec, 2024) | 1% fee will be applicable on cumulative spends of ₹ 25,000 or more on utilities per statement cycle |
| Wallet Load Transaction Fee (Applicable from 20th Dec 2024) | 1% fee will be applicable on cumulative spends of ₹ 10,000 or more on wallet loads per statement cycle |
| Fuel Transaction Fee (Applicable from 20th Dec 2024) | 1% fee will be applicable on cumulative spends of ₹ 50,000 or more on fuel transactions per statement cycle |
| Online Skill Based Gaming Transaction Fee (Applicable from 20th Dec 2024) | 1% fee will be applicable on cumulative spends of ₹ 10,000 or more on online skill-based gaming platforms per statement cycle |
The revision is effective from 20th Dec 2024
Check your eligibility
Documents for LIC Axis Bank Platinum Credit Card application:
Swipe your Credit Card into a world of convenience
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