MyFinCards
Fibe Axis Bank Credit Card

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Cashback
Lifestyle
Best For: Fibe customers seeking a no-fee daily cashback card, UPI users wanting credit card rewards on UPI transactions, Frequent food delivery and entertainment spenders

Fibe Axis Bank Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Accelerated Rate

3% Max

Earning Cap

₹5,000 /monthly

Pros

  • Lifetime free – no joining or annual fee
  • Up to 3% cashback on food delivery, entertainment and local commute
  • Complimentary domestic lounge access (4 per year)
  • Credit card on UPI support via RuPay network
  • 1% fuel surcharge waiver
  • Wednesday mid-week special offers

Cons

  • Only available to existing Fibe customers
  • High finance charge of 3.75% per month (55.55% per annum)
  • Foreign currency transaction fee of 3.5%
  • Additional fees on fuel, rent, utility, education, wallet load beyond thresholds

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel surcharge waiver capped at ₹400 per month

1% fee on fuel cumulative spends ≥ ₹50,000 per statement cycle

Additional ₹100 charge if Minimum Amount Due is not paid for two consecutive billing periods

Dynamic currency conversion markup of 1.5% + taxes on certain international transactions

Key Benefits & Features

Credit card on UPI – link Fibe Axis Bank Credit Card with UPI for seamless payments

Wednesday Delight – up to 15% off on flights & hotels via MakeMyTrip, 10% off on Swiggy, 10% off up to ₹1000 on Tira

Lifetime free card – zero joining and annual fee

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIED

Required Documents

IDENTITY Proof

PAN Card photocopy
Form 60

INCOME Proof

Latest payslip
Form 16
IT Return

ADDRESS Proof

Driving License
Electricity Bill
Landline Telephone Bill
Official Terms & Conditions

About Fibe Axis Bank Credit Card

The Fibe Axis Bank Credit Card is a lifetime free RuPay credit card that combines everyday cashback rewards with practical lifestyle benefits, making it an ideal choice for Fibe customers looking for value on their daily spending. With zero joining and annual fees, cardholders can enjoy financial convenience without the burden of recurring charges. The card offers up to 3% cashback on food delivery, entertainment, and local commute spends, along with 1% cashback on all other transactions. As a RuPay credit card, it can be linked to UPI apps, enabling seamless Scan and Pay experiences at merchant QR codes across India. Additional perks include a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, four complimentary domestic airport lounge visits per calendar year, and access to the Axis Bank Dining Delights program for exclusive restaurant offers nationwide. Midweek spenders can take advantage of Wednesday Delight offers, which include instant savings on flights and hotels via MakeMyTrip, discounts on Swiggy orders, and offers on Tira. The card is available exclusively to existing Fibe customers aged 18 to 70 years and can be managed conveniently through the Axis Mobile App, making it a well-rounded, no-cost option for everyday cashback and lifestyle rewards.

Expert Review

Our Verdict

Lifetime free RuPay card with up to 3% cashback on food, entertainment & commute plus lounge access.

Frequently Asked QuestionsAbout Fibe Axis Bank Credit Card

FEESWhat is the joining fee and annual fee for the Fibe Axis Bank Credit Card?
The Fibe Axis Bank Credit Card is a lifetime free credit card with zero joining fee and zero annual fee. You also enjoy a nil card replacement fee, waived duplicate statement fee, and waived charge slip retrieval fee. This makes it an excellent choice for those seeking a feature-rich card without any recurring charges.
ELIGIBILITYWho is eligible to apply for the Fibe Axis Bank Credit Card?
To be eligible for the Fibe Axis Bank Credit Card, the primary cardholder must be between 18 and 70 years of age and must be either a Resident of India or a Non-Resident Indian (NRI). Importantly, this card is exclusively available to existing Fibe customers. The bank reserves the right to approve or decline applications based on its internal criteria.
REWARDSWhat cashback benefits does the Fibe Axis Bank Credit Card offer?
The Fibe Axis Bank Credit Card offers up to 3% cashback on daily spends. Specifically, you earn 3% cashback on food delivery, entertainment, and local commute transactions. All other spends earn 1% cashback. This makes the card especially rewarding for frequent users of food delivery apps and entertainment platforms. Terms and conditions apply — refer to the cashback T&C on the Axis Bank website for full details.
DOCUMENTSWhat documents are required to apply for the Fibe Axis Bank Credit Card?
To apply for the Fibe Axis Bank Credit Card, you need to submit the following documents: a PAN Card photocopy or Form 60, proof of income (latest payslip, Form 16, or IT Return), and residence proof such as a Driving License, Electricity Bill, or Landline Telephone Bill. Please note this list is indicative and documents required may vary on a case-to-case basis.
USAGEDoes the Fibe Axis Bank Credit Card support UPI payments?
Yes, the Fibe Axis Bank Credit Card supports UPI payments via the RuPay network. You can link your card to any UPI application (such as BHIM or Paytm), verify your mobile number, and select the 'Link RuPay Credit Card' option. Once linked, you can make payments by scanning merchant QR codes or entering a UPI ID. You can also pay your credit card bill via UPI using the format cc.91[cardnumber]@axisbank.
BENEFITSWhat airport lounge access benefits are available with this card?
The Fibe Axis Bank Credit Card offers 4 complimentary domestic airport lounge visits per calendar year at select airport lounges across India. To view the list of eligible airport lounges and associated terms and conditions, you can visit the Axis Bank official credit card page. This benefit provides a touch of travel luxury even on a lifetime free card.
BENEFITSWhat is the fuel surcharge waiver on the Fibe Axis Bank Credit Card?
The Fibe Axis Bank Credit Card offers a 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000 per transaction, with a maximum waiver of ₹400 per month. Note that the fuel surcharge is not levied by Axis Bank directly. On certain fuel transactions, a surcharge of ₹10 + GST may be applicable instead of 1% + GST. An additional 1% fee applies on cumulative fuel spends of ₹50,000 or more per statement cycle.
BENEFITSWhat are the Wednesday Delight offers on the Fibe Axis Bank Credit Card?
The Fibe Axis Bank Credit Card offers exclusive mid-week deals every Wednesday to beat the mid-week blues. Current Wednesday Delight offers include instant savings of up to 15% on flights and hotels via MakeMyTrip, 10% off on orders via Swiggy, and 10% off up to ₹1,000 on Tira. These offers are subject to change, and full terms and conditions are available on the Axis Bank website.
FEESWhat are the late payment fees and finance charges on this card?
The Fibe Axis Bank Credit Card charges finance charges of 3.75% per month (55.55% per annum) on retail purchases and cash transactions. Late payment fees are: Nil for dues up to ₹500; ₹500 for dues between ₹501–₹5,000; ₹750 for dues between ₹5,001–₹10,000; and ₹1,200 for dues above ₹10,000. An additional ₹100 charge applies if the Minimum Amount Due is not paid for two consecutive billing periods.
FEESAre there any additional transaction fees I should be aware of?
Yes, the Fibe Axis Bank Credit Card levies additional fees in certain categories: 1% on rental transactions per transaction; 1% on utility spends exceeding ₹25,000 per statement cycle; 1% on education payments via third-party apps; 1% on wallet loads exceeding ₹10,000 per statement cycle; 1% on online skill-based gaming beyond ₹10,000 per statement cycle; and a cash withdrawal fee of 2.5% (minimum ₹500). A Dynamic Currency Conversion markup of 1.5% + taxes also applies on applicable international transactions.
INTERNATIONALWhat is the foreign currency transaction fee for the Fibe Axis Bank Credit Card?
The Fibe Axis Bank Credit Card charges a foreign currency transaction fee of 3.5% of the transaction value for international spends. Additionally, a Dynamic Currency Conversion (DCC) markup of 1.5% + taxes applies on international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign country. This makes the card less ideal for frequent international travellers.
USAGEHow can I manage my Fibe Axis Bank Credit Card settings?
You can manage your Fibe Axis Bank Credit Card through the Axis Mobile App. Navigate to the Credit Cards section, click on your Fibe Axis Bank Credit Card, and enter the activation code found in your physical welcome letter. You will then be directed to the Card Control Settings page, where you can customise your card control preferences such as enabling or disabling transaction types and setting spending limits.
APPLICATIONHow do I apply for the Fibe Axis Bank Credit Card?
To apply for the Fibe Axis Bank Credit Card, you must be an existing Fibe customer. You can apply through the Axis Bank official website by clicking the 'Apply Now' button on the Fibe Axis Bank Credit Card page. You will need to submit your PAN Card or Form 60, proof of income, and valid residence proof. The bank will review your application and reserves the right to approve or decline it based on internal eligibility criteria.
BENEFITSWhat dining benefits does the Fibe Axis Bank Credit Card offer?
The Fibe Axis Bank Credit Card gives you access to the Axis Bank Dining Delights Program, which allows you to enjoy exceptional dining experiences at top restaurants across India. This program offers exclusive discounts and offers at partner restaurants. Additionally, as part of Wednesday Delight offers, cardholders can avail 10% off on Swiggy orders every Wednesday. Full details and terms and conditions are available on the Axis Bank website.
CANCELLATIONCan I cancel or close my Fibe Axis Bank Credit Card, and what should I know before doing so?
You can request cancellation of your Fibe Axis Bank Credit Card by contacting Axis Bank Customer Care at 1800 209 5577 or 1800 103 5577 (toll-free). Before cancelling, ensure all outstanding dues are cleared to avoid finance charges of 3.75% per month. Since the card has no annual fee, cancellation may impact your credit utilisation ratio and credit score. It is advisable to review any pending cashback or benefits before initiating the closure request.

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