Kotak Biz Credit Card vs LIC Axis Bank Signature Credit Card
Joining Fees
₹299
₹0
Editor's Rating
3.5
4
Key Features
- Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
- Avail 1 reward points for every Rs. 100 on all other spends
- 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports. Enjoy benefits such as gourmet meal, comfortable seating, widescreen TVs, newspaper and magazines, free Wi-Fi
- Get 1% on transaction fuel surcharge will be waived for transactions made between Rs. 500 - Rs. 3000
- One can also save railway surcharge of 1.8% for transactions on www.irtc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum railway surcharge waiver allowed in a calendar year is Rs. 500
- Travel Insurance programme includes the following:
A. Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection)- Sum Insured is Rs. 50,000
B. Purchase Protection - Sum Insured is Rs. 25,000
C. Loss of Checked in Baggage / Delay of Checked in Baggage / Valuable Documents Cover / Missing of Connecting International Flight During Transit - Sum Insured is Rs. 10,000
- Safety features of the card includes being embedded with EMV Chip and setting a 6-digit PIN authentication for higher security of your transactions
- Interest free period: Up to 48 days
- Avail 2 Reward points for every Rs. 100 spent on LIC Premium payment and foreign currency transactions
- Avail 1 Reward point for every Rs. 100 spent on all other transactions except wallet load, fuel, and EMI conversions
- 8 complimentary domestic airport lounge access per calendar year at selected domestic airports
- Complimentary lost card liability insurance cover up to credit limit
- 1% fuel surcharge waiver on all fuel transactions in India. This is valid on transactions between Rs. 400 to Rs. 4000
- Get up to 20% off at over 4,000 restaurants in India
- Now you can easily convert any transactions of Rs. 2,500 and above into EMIs
Editor's Review
Pros
- Avail 4 reward points for every Rs. 100 on categories like Travel and Tour Operators & Domestic Airlines, Direct Marketing/Advertising services, Supermarket, Lodging – Hotels, Motels, Resorts
- Avail 1 reward points for every Rs. 100 on all other spends
- 1 complimentary airport lounge access per calendar quarter to Visa affiliated lounges across Indian airports
Cons
- No dinning or movie benefits
- No Golf Benefits
- No cashback benefits
Pros
- Avail 2 Reward points for every Rs. 100 spent on LIC Premium payment and foreign currency transactions
- 8 complimentary domestic airport lounge access per calendar year
- Complimentary lost card liability insurance cover up to credit limit
Cons
- No golf benefits are provided
- No international airport lounge access
- No Spend Based Waiver
