AU CS Credit Card vs LIC Select Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• The LIC Select Credit Cardⓘ wins for everyday spending with a higher base reward rate of 0.75% compared to 0.5% on the AU CS Credit Cardⓘ.
• For travel and lounge access, AU CS Credit Cardⓘ offers more domestic lounge visits, while LIC Select Credit Cardⓘ provides some international lounge access and a lower forex markup.
• Both cards have no joining or annual fees, making them equally cheap to hold.
• Choose the AU CS Credit Cardⓘ if you value more domestic lounges and spend heavily on dining and travel categories. Pick the LIC Select Credit Cardⓘ if you want better forex rates and international lounge access with higher base rewards.

Side by Side

Rewards Compared

Spending Rs 10,000 on the AU CS Credit Cardⓘ earns Rs 50 back at the base rate of 0.5%. However, if you spend in dining or travel categories, the card rewards at 2%, returning Rs 200 for every Rs 10,000 spent in those categories, which is quite competitive. Utilities and insurance spend earn at a modest 0.25%, or Rs 25 per Rs 10,000.

The LIC Select Credit Cardⓘ offers a higher base reward rate of 0.75%, translating to Rs 75 for every Rs 10,000 spent, providing better returns on general spend. It does not specify category-specific higher rates, so the flat base applies across categories. This makes it a simpler rewards program for users who prefer consistent returns without tracking categories.

Fees Compared

Both cards boast no joining or annual fees, making them essentially free to hold forever. There is no fee waiver threshold to worry about on either, as there are no fees to waive. This zero-fee structure benefits users who want rewards without the burden of maintaining minimum spends.

Which One Should You Pick

Choose the AU CS Credit Cardⓘ if you frequently spend on dining and travel domestically and value more complimentary domestic lounge access, eight times annually. It suits reward seekers who want boosted category returns and lounge privileges without any fees. However, it lacks international lounge access and has a higher forex markup, making it less attractive for overseas travelers.

Opt for the LIC Select Credit Cardⓘ if you want a straightforward, higher base reward rate on all spend, plus the advantage of two international lounge visits per year and a lower forex markup of 1.5%. This card is ideal for international travelers and those looking for a lifetime-free card with consistent rewards. The monthly Rs 20,000 lounge spend gate requires some attention to unlock lounge access, which some may find restrictive.

In summary, if your priority is category-based rewards and domestic lounges, pick AU CS Credit Cardⓘ. If you want better base rewards, international lounge access, and lower forex costs, LIC Select Credit Cardⓘ is the better fit. Both being free to hold means your choice depends mainly on your spending habits and travel needs.

What to Check Before You Apply

• Confirm whether your typical spend aligns with the AU CS Credit Cardⓘ’s reward categories or if you prefer the LIC Select Credit Cardⓘ’s flat rate.
• Check the redemption options and value for points on each card, as this affects effective rewards.
• For LIC Select Credit Cardⓘ, note the Rs 20,000 monthly spend gate for lounge access to ensure you can meet it.
• Consider the forex markup impact if you spend significantly abroad, 1.5% on LIC Select Credit Cardⓘ vs 1.99% on AU CS Credit Cardⓘ.
• Verify the number and airport locations of lounges available to ensure they match your travel routes.

FAQ