Joining Fee
Free
Annual Fee
Rs. 0 + Taxes
Forex Markup
3.5% + GST
Late Payment Charges
| Total amount due | Late fee |
|---|---|
| Total due up to ₹500 | Nil |
| Total due ₹501 - ₹5000 | ₹500 |
| Total due ₹5001 - ₹10000 | ₹750 |
| Total due ₹10001 and above | ₹1,200 |
Minimum ₹500
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
Required Documents
IDENTITY Proof
INCOME Proof
ADDRESS Proof
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
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.
Our Verdict
Lifetime free RuPay card with up to 3% cashback on food, entertainment & commute plus lounge access.
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