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Comparison · हिन्दी

LIC Axis Bank Signature vs BOBCARD Uni GoldX

Both cards compared on real rupee returns for LIC Axis Signature vs BOBCARD Uni GoldX which better lifetime free card India. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
AXIS
SIGNATURE
ASHOK KUMAR
VS
BOBCARD
BOBCARD UNI GO
ASHOK KUMAR
Our verdict
LIC Axis Bank Signature Credit Card wins for most people
LIC Axis Bank Signature wins with ₹1,920 annual benefit versus BOBCARD Uni GoldX's ₹1,440, making it ₹480 better yearly. Both are lifetime-free, but LIC Axis delivers superior value for this spend profile.
Side-by-side comparison
LIC Axis Bank Signature Credit Card ✓ BOBCARD Uni GoldX Credit Card
Annual benefit ₹1,920 ₹1,440
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free Lifetime free
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2 reward points per ₹100 on LIC premiums paid through LIC's own payment channels and on foreign currency spends (about 2%); 1 point per ₹100 on other spends except fuel, wallet loads and EMIs (about 1%); a point is worth up to ₹1 on e-vouchers in the LIC rewards catalogue 1% back as 24K digital gold on all spends; 5% back on vouchers via Uni App (Amazon, Swiggy, Flipkart etc.); 7% on flights/hotels via Uni App
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (vary by spend from Jul 2025) None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 0%
Best for LIC policyholders wanting rewards on LIC premium payments with lounge access at zero annual fee Lifetime-free card with zero forex and unique gold rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried or self-employed) ₹3L+ per year (₹25,000/month salary)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
LIC Axis Bank Signature Credit Card
LIC Axis Bank Signature excels if you pay LIC premiums regularly, as 2% rewards on premium payments significantly boost returns. Ideal for LIC policyholders seeking premium benefits with lounge access at zero cost.
BOBCARD Uni GoldX Credit Card
BOBCARD Uni GoldX suits those who prioritize digital gold accumulation and frequent app-based shopping on Amazon, Swiggy, or Flipkart for 5% cashback. Better for users valuing tangible gold rewards over traditional points.
Who should get which card
Get LIC Axis Bank Signature if you…
· LIC policyholders paying premiums through LIC channels
· Shoppers prioritizing lounge access and travel benefits
· Users wanting lifetime-free card with higher annual returns
· Those seeking 2% rewards on LIC premium payments
Get BOBCARD Uni GoldX if you…
· Digital gold collectors and investors
· Frequent Amazon, Swiggy, Flipkart shoppers via Uni App
· Budget travelers booking flights/hotels through Uni App
· Users preferring tangible gold over reward points
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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CRED IndusInd Bank RuPay vs BOBCARD Uni GoldX →LIC Axis Bank Signature vs Standard Chartered Platinum Rewards →Best Travel Credit Cards →Best Shopping Credit Cards →Best Lifetime Free Credit Cards →
Frequently asked questions
Based on our analysis, LIC Axis Bank Signature Credit Card offers better annual returns for most spend profiles.
LIC Axis Bank Signature Credit Card has an annual fee of Lifetime free. BOBCARD Uni GoldX Credit Card has an annual fee of Lifetime free.
LIC Axis Bank Signature Credit Card offers 2 reward points per ₹100 on LIC premiums paid through LIC's own payment channels and on foreign currency spends (about 2%); 1 point per ₹100 on other spends except fuel, wallet loads and EMIs (about 1%); a point is worth up to ₹1 on e-vouchers in the LIC rewards catalogue. BOBCARD Uni GoldX Credit Card offers 1% back as 24K digital gold on all spends; 5% back on vouchers via Uni App (Amazon, Swiggy, Flipkart etc.); 7% on flights/hotels via Uni App.
LIC Axis Bank Signature Credit Card lounge access: 8 domestic visits/year (vary by spend from Jul 2025). BOBCARD Uni GoldX Credit Card lounge access: None.
LIC Axis Bank Signature Credit Card charges 3.5% forex markup. BOBCARD Uni GoldX Credit Card charges 0% forex markup.