LIC Select Credit Card vs IndusInd Platinum AUra Edge Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• The LIC Select Credit Cardⓘ wins for everyday spend with a higher base reward rate and better forex markup.
• The LIC Select Credit Cardⓘ also leads for travel and lounge benefits, offering complimentary access to both domestic and international lounges.
• Both cards have no joining or annual fees, making them equally cheap to hold.
• Choose the LIC Select Credit Cardⓘ if you want a travel-friendly card with lounge access and lower forex costs. Pick the IndusInd Platinum AUra Edge Credit Cardⓘ if your spending is heavily skewed towards dining, groceries, or online shopping and you want higher rewards in those categories.

Side by Side

Rewards Compared

The LIC Select Credit Cardⓘ offers a base reward rate of 0.75%, which translates to Rs 75 earned on Rs 10,000 spent. This rate applies broadly to all spending categories, making it a straightforward rewards card without complicated category restrictions. It excels in travel-related rewards by coupling this base rate with lounge access perks and a lower forex markup, enhancing its value for frequent travelers.

On the other hand, the IndusInd Platinum AUra Edge Credit Cardⓘ provides a slightly lower base reward rate of 0.7%, amounting to Rs 70 per Rs 10,000 spent. However, it shines in specific categories like dining, grocery, and online shopping, where the reward rate jumps to 2.1%, or Rs 210 per Rs 10,000 spent. This category-focused approach benefits users whose spending is concentrated in these sectors but offers no lounge access or forex advantages.

Fees Compared

Neither card charges any joining or annual fee, making both lifetime free to hold. There is no fee waiver threshold to consider since no fees apply. This means cardholders can maintain either card without worrying about minimum spend requirements to avoid fees. The cost comparison thus focuses more on rewards and benefits rather than fee savings. Since both are free, the financial break-even point is neutral, and the decision should hinge on reward preferences and lifestyle fit.

Which One Should You Pick

The LIC Select Credit Cardⓘ is ideal for frequent travelers and those who value travel-related perks such as lounge access both domestically and internationally. Its lower forex markup of 1.5% makes it a cost-effective choice for spending abroad. If you want a simple, no-fee card that rewards all spending fairly and provides travel benefits, this is the better pick. However, skip it if you do not travel or utilize lounges, as the rewards on everyday categories are moderate.

The IndusInd Platinum AUra Edge Credit Cardⓘ suits shoppers who focus heavily on dining, groceries, and online spending, where the 2.1% reward rate significantly boosts returns. Its lack of lounge access and higher forex markup of 3.5% make it less attractive for travelers. First-time credit card users who want category-specific rewards without fees will appreciate this card. Avoid it if you travel frequently or seek lounge benefits and forex savings.

Overall, the LIC Select Credit Cardⓘ is the more versatile and travel-friendly option, while the IndusInd Platinum AUra Edge Credit Cardⓘ is best for focused category spenders looking for enhanced rewards in shopping sectors.

What to Check Before You Apply

• Check the Rs 20,000 monthly spend gate for lounge access on the LIC Select Credit Cardⓘ to ensure you meet it.
• Confirm redemption values and processes for points on both cards, as they impact actual value.
• Review forex markup charges if you frequently spend abroad; the difference between 1.5% and 3.5% is significant.
• Verify the number and type of lounges accessible, especially if international travel is a priority.

FAQ