LIC Axis Bank Titanium
KeepFree forever, and a point worth twenty-nine paise.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — neither LIC's product page nor its Schedule of Charges advertises a joining or first-spend bonus on this tier
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹0 gross (earn ₹0) against its ₹0 fee = ₹0 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #1080
Why #1080 The entry rung of the LIC shelf, and the one Axis stopped selling — free forever and still redeemable, but a Titanium point buys a third of what the same point buys on the Signature. Ranked below every card a reader can still apply for.
This is the cheapest rung of the LIC point and the catalogue makes the gap explicit by printing all three tiers in one row. Axis's live LIC Credit Cards Rewards Catalogue prices an "Axis Bank Virtual Gift Card (INR. 1000)", product code LG096, at 3,500 points on the Titanium against 1,400 on the Platinum and 1,050 on the Signature — so about ₹0.29 a point here where a Signature point is about ₹0.95, and `earn.base` bakes that haircut in. The catalogue's cheapest line for this tier is the Amazon Pay e-gift card at 3,000 points per ₹1,000 (₹0.33), and every redemption request carries a ₹30 + GST handling charge on top. Points also die young: LIC's own note says a balance "that remain unused (no transaction or payments) for a period of 6 months or above will be zeroised", and the minimum redemption is 1,000 points.
The take
LIC Cards Services — a wholly owned LIC subsidiary — has run a three-tier credit-card shelf powered by Axis Bank since March 2011, and this is the rung it built for people walking in off a premium receipt rather than a salary slip. The income bar is ₹3,00,000, the card is free forever on both the joining and the annual line, and it earns double on the one thing every applicant already does: pay an LIC premium. Then the catalogue explains why it is the entry tier. An Axis virtual gift card worth ₹1,000 costs 1,050 points on the Signature, 1,400 on the Platinum and 3,500 here — the same programme, the same product code, three different prices. So general spend earns 0.29% and premium payments earn 0.57%, on points that are zeroised after six dormant months and cost ₹30 plus GST to release. What the tier does have is a real fuel-surcharge refund, capped at ₹400 a month, and lost-card cover — although the page states that cover twice and disagrees with itself, once as "upto your credit limit" and once as "up to Rs. 50,000". This is also the only Mastercard on an otherwise Visa shelf — its two surviving siblings both carry Visa — which is what LIC's 2015 Mastercard airport programme was written around; but that programme expired at the end of 2014 and names no card, so this desk maps no lounge door for the tier. The tier is now closed: Axis's product page for it 404s while the Platinum's still loads, and LIC's own site has gone entirely. What is not closed is the redemption line — the catalogue Axis serves today still prints a Titanium column.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹900 a year at ₹3,00,000 of annual spend
₹1,700 a year at ₹6,00,000 of annual spend
₹3,400 a year at ₹12,00,000 of annual spend
₹10,300 a year at ₹36,00,000 of annual spend
₹17,100 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 28 Aug 2026 Axis more than doubles its DCC markup — 3.5% generic, but Olympus and Magnus get their own rates issuer-wide
- 28 Aug 2026 Priority Pass stops opening Indian domestic lounges on every Axis card issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free on both lines — LIC's Schedule of Charges prints Nil joining and Nil annual, and Axis's own Key Fact Sheet prices the whole LIC column at INR 0
- 2 Reward Points per ₹100 on LIC premium payments and on foreign-currency spend, against 1 elsewhere
- 1% fuel-surcharge refund on transactions between ₹400 and ₹4,000, capped at ₹400 a month
- Up to 50 interest-free days and up to three add-on cards, all of them free
- An income bar of ₹3,00,000 — the lowest published rung of the LIC shelf
Watch out
- NO LONGER SOLD — Axis's product path for this tier returns the same 404 body an invented slug does, while the Platinum's returns 200, and LIC's own card site has gone entirely
- A POINT IS WORTH ABOUT ₹0.29 HERE. The same Axis virtual gift card costs 3,500 points on this tier, 1,400 on the Platinum and 1,050 on the Signature — one programme, three prices
- Points are ZEROISED after six months without a transaction or payment, the redemption floor is 1,000 points, and every request costs ₹30 plus GST
- The foreign-currency accelerator is a trap: 2 points per ₹100 is about 0.57% against Axis's 3.50% markup on the same transaction
- Fuel, wallet loads and EMI-converted transactions earn nothing at all
- LIC's own page states the lost-card cover twice and contradicts itself — "upto your credit limit" in the features block, "up to Rs. 50,000/-" in the summary table
- This is the one Mastercard in an otherwise Visa family — the Platinum, Signature and the withdrawn Gold all carry Visa — so a Visa-only offer or Visa lounge programme aimed at LIC cardholders does not reach this tier
- Finance charges ran at 3.6% a month (52.86% a year) on the later Schedule, up from 3.25% on the first one
What these points actually fly
No live transfer route takes LIC Axis Bank Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Axis publishes no product page for this tier — the URL returns the identical 404 body an invented slug returns, where the Platinum tier's page still loads — and LIC Cards' own site, application flow included, now 404s in full.
Axis Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 1 Sept 2026Burgundy Private's lapse fee doubles to ₹1 lakh
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 7 of them, each with the day we read it
- official LIC Cards' own Titanium product page (24 Jun 2021 capture) — the reward grid, the exclusions, the fuel waiver, the income bar and the summary table
- official LIC Cards' own Schedule of Charges (24 Jun 2021 capture) — the three-column fee grid that prices this tier at Nil joining and Nil annual
- official Axis's LIVE LIC Credit Cards Rewards Catalogue — the three-column redemption table that prices a Titanium point, and the proof the tier is still serviced
- official Axis's live Key Fact Sheet (12 Aug 2026) — the issuer-side confirmation that every LIC card is INR 0 joining and INR 0 annual
- official LIC Cards' own Mastercard airport programme (2015) — the shelf-level corroboration that this family ran a Mastercard tier, though it names none and expired in 2014
- official LIC Cards' own 2011 product page for this tier — the only one of the four whose Usage Offers row names no payment scheme, where the other three name Visa
- official LIC Cards' own "Our Cards" page (archived 24-Jun-2021) — the card face it renders for this tier carries the Mastercard mark, where the Platinum and Signature faces carry Visa