Fibe Axis Bank Credit Card benefits
- Fees
No joining fee and no annual fee, for life
- Rewards3%
cashback on online food delivery, online entertainment and online local commute
- Rewards1%
cashback on other eligible spends
including UPI payments of ₹2,000 or more
- Rewards
Total cashback up to ₹1,500 per statement cycle
- Lounge4
lounge visits a year in India, on spends of ₹50,000 in the previous 3 months
Fibe Axis Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Dining and food delivery3% on online food delivery. Axis Bank pays it by merchant code, not by named app, so we show the two largest food delivery apps. Restaurant bills paid in person earn 1%. | 3% back | 1,500 |
| Travel3% on online local commute such as cab and bus bookings, by merchant code. Flights and hotels earn 1%. | 3% back | 1,500 |
| Everything else | 1% back | 1,500 |
No rewards on: Fuel, wallet loads, cash withdrawals, gold and jewellery, gift cards, EMI transactions, rent, repayments, insurance, education, government services, bridge, road and toll fees, UPI payments below ₹2,000 or to small merchants, and any transaction below ₹100.
All reward rules
- All cashback on this card, at 3% and at 1%, is limited to ₹1,500 per statement cycle in total. It is one shared limit, so our maths may count a little more than you get if you spend heavily in both groups.
- Online entertainment, such as movie and event tickets booked online, also earns 3% within the same ₹1,500 limit.
- Cashback is rounded down on each transaction, so a ₹1,155 spend at 1% earns ₹11. It is credited to the card within 3 days after the statement date.
- The card runs on RuPay, so you can link it to UPI apps. UPI payments of ₹2,000 or more to larger merchants earn cashback.
- Axis Bank issues this card only to existing Fibe customers.
- Lounge visits in India need eligible spends of ₹50,000 in the previous 3 calendar months. This is waived for a new card in the month of issue and the next 3 calendar months.
What the Fibe Axis Bank Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 1% | ₹2,160 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1% | ₹240 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹3,480 | |
| Renewal fee with GST | None | ||
| You keep | ₹3,480* |
Fibe Axis Bank Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
- Foreign currency markup
- 3.5%
Lifetime free: no joining fee and no annual fee. A 1% fee applies to rent, to education payments through third-party apps, and in a statement cycle when utilities pass ₹25,000, fuel ₹50,000, wallet loads ₹10,000 or online skill gaming ₹10,000.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000, up to ₹400 a month. Fuel spends earn no cashback.
Fibe Axis Bank Credit Card eligibility
- Age
- 18 to 70
Open to residents of India and Non-Resident Indians aged 18 to 70, but only to existing customers of Fibe, the lending app. Axis Bank does not publish a minimum income and says the criteria are only indicative.
The bank alone decides approval and your credit limit.
Fibe Axis Bank Credit Card lounge access
4 domestic visits a year. Banks often set a spend condition, so read the reward rules above.
1 visit each calendar quarter to select lounges in India, if you spent ₹50,000 or more in the previous 3 calendar months.
Is the Fibe Axis Bank Credit Card right for you?
A lifetime free card, paying an above-average 1% on most spends.
Good for you if
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
- You fly a few times a year: it includes 4 domestic airport lounge visits a year.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Fibe Axis Bank Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Fibe Axis Bank Credit Card | Free | 3% | ₹3,240* |
| HSBC RuPay Cashback Credit Card | ₹499 | 10% | ₹4,800* |
| Kiwi RuPay Credit Card on UPI | Free | 1.5% | ₹3,360* |
If most of your spending looks like the example above, the HSBC RuPay Cashback Credit Card may suit you better: it would leave you ₹4,800 a year, against ₹3,480 with the Fibe Axis Bank Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
How much cashback does the Fibe Axis Bank card give?
It gives 3% on online food delivery, online entertainment and online local commute, and 1% on other eligible spends. The total is limited to ₹1,500 per statement cycle, and transactions below ₹100 earn nothing.
Is the Fibe Axis Bank Credit Card really free?
Yes. Axis Bank lists the joining fee and the annual fee as nil. Late payment, forex and some usage fees still apply.
Can I use the Fibe Axis Bank credit card on UPI?
Yes. It is a RuPay card, so you can link it to UPI apps and pay by scanning merchant QR codes. UPI payments earn cashback only when they are ₹2,000 or more and not made to small merchants.
Who can get the Fibe Axis Bank Credit Card?
Axis Bank offers it only to existing Fibe customers aged 18 to 70 who live in India or are Non-Resident Indians. The bank decides each application.