Axis Bank LIC Platinum Credit Card VS Axis Bank LIC Signature Credit Card VS BOI RUPAY PLATINUM INTERNATIONAL VS Canara Bank Visa Gold Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank LIC Platinum Credit Card
Axis Bank LIC Signature Credit Card
BOI RUPAY PLATINUM INTERNATIONAL
Canara Bank Visa Gold Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Nil joining and annual fees make this card cost-effective for long-term use without recurring charges.
Enhanced 2 Reward points per ₹100 on LIC premiums and foreign currency spends maximize targeted rewards.
1% fuel surcharge waiver up to ₹400 monthly helps frequent fuel users reduce transaction costs.
Complimentary lost card liability insurance up to credit limit adds valuable peace of mind.
Easy EMI option on purchases of ₹1500+ provides flexible payment choices for larger spends.
Pros
Key benefits and features.
Nil joining and annual fees make it cost-effective for long-term ownership and regular use.
High 2x reward rate on LIC premiums and foreign currency spends maximises value for target users.
8 complimentary domestic lounge visits per year enhance travel comfort at no extra cost.
1% fuel surcharge waiver with up to ₹400 monthly benefit reduces driving expenses on eligible fuel spends.
Activation cashback up to ₹300 on first utility bill and lost card liability cover add immediate utility and security.
Pros
Key benefits and features.
Enjoy the benefit of no joining or annual fees, making it truly lifetime free.
Benefit from global acceptance with the RuPay Platinum network for international transactions.
Experience competitive finance charges at 1.70% per month, lower than many other cards.
Pros
Key benefits and features.
Enjoy the benefit of no annual or joining fees, making the card highly accessible.
Benefit from a substantial interest-free credit period, allowing better financial management.
Globally accepted with a low foreign currency markup, ideal for international transactions.
Comprehensive insurance cover for fraud, baggage, purchase protection, and accidents.
Convert high-value transactions to easy EMIs using the convenient Canara ai1 mobile app.
Cons
Key drawbacks and limitations.
Base rewards exclude fuel, wallet load, and EMI transactions, limiting earnings for common spends.
Foreign currency transaction fee of 3.5% and DCC markup of 1.5% raise costs on international use.
Finance charges of 3.75% per month (55.55% p.a.) are high for retail purchases and cash advances.
Reward redemption requires calling customer care and carries a ₹30 fee per redemption.
No explicit lounge access, travel perks, or milestone bonuses for high spenders.
Cons
Key drawbacks and limitations.
Finance charges at 3.75% per month (55.55% p.a.) are steep and can erode benefits if balances are revolved.
Cash withdrawal fee of 2.5% (min ₹500) makes ATM usage expensive for liquidity needs.
Foreign currency markup of 3.50% is high and may not be fully offset by rewards on international spends.
Post-2024 transaction fees on education, utility, wallet load, fuel and gaming can accumulate if thresholds are met.
Reward caps and redemption value clarity are limited, with no detailed partner transfer program disclosed.
Cons
Key drawbacks and limitations.
Lacks specific reward programs for categories like movies, dining, or travel benefits.
Standard foreign currency markup of 3.49% and cash advance fees are applicable.
No complimentary lounge access or other premium travel benefits are offered with this card.
Cons
Key drawbacks and limitations.
The card does not offer premium benefits such as complimentary airport lounge access.
An inactivity fee of ₹150 is charged if yearly spending falls below ₹25,000.
Fuel surcharge waiver is only partial, with a maximum reimbursement cap per month.
Rewards rate is basic, offering 2 points per ₹100, without accelerated earning categories.
No welcome benefits or specific category spending bonuses are provided upon joining.