Fibe Axis Bank Credit Card
Axis Bank · Open to apply
Fibe's lifetime-free RuPay card for its app users: 3% cashback on online food delivery, entertainment and local commute, 1% on everything else (₹1,500 a statement cap, nothing on UPI payments under ₹2,000), one domestic lounge visit a quarter and a ₹400 fuel surcharge waiver.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 1% cashback on all other online and offline spends: 1% cashback (about 1% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹50,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3% cashback on online food delivery, entertainment and local commute: 3% cashback (about 3% at cash value)
Earns nothing on
- No cashback on wallet loads, fuel, cash advances, jewellery, gift cards, EMI, rent, insurance, education, government and repayments
- No cashback on bridge, road and toll fees
Where the sources disagree
- domestic lounge visits: Axis's domestic lounge programme (PDF of 2026-04-16) lists the Fibe card at 1 complimentary access per quarter. The product page says 4 visits per calendar year (the same yearly count), and the 2023 launch press release said four visits per quarter. We use the lounge programme's 1 a quarter.
- fuel surcharge waiver range and cap: The product page and the 2023 press release say the 1% waiver covers fuel spends of ₹400 to ₹5,000 (page: up to ₹400 a month); the KFS and MITC say ₹400 to ₹4,000 with up to ₹400 a statement cycle. We use the KFS and MITC.
Terms the calculator does not value
- UPI payments by the card to small merchants earn nothing whatever their size; the T&C does not define a small merchant, so the calculator gives 1% on every UPI payment of ₹2,000 or more (and nothing below ₹2,000). A UPI payment in one of the 3% categories is valued by its category rule whatever its amount.
- The 3% applies only to the listed MCCs (5499, 5812, 5814, 7841, 7829, 7832, 7922, 4121, 4131, 4111, 7512). Food and quick-commerce apps coded 5499 may earn 3%; the calculator's grocery apps line earns 1%. Offline restaurant spends are not matched to the 3% because the T&C says "online".
Sources
- Fibe Axis Bank Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Terms and Conditions, Cashback on Fibe Axis Bank Credit Card (PDF created 2026-08-17) (Reward terms, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Axis Bank Credit Cards Domestic Airport Lounge Access Program (PDF created 2026-04-16) (Reward terms, the bank's own, read 6 Nov 2026)
- Revision of Axis Bank credit card T&C, effective 2026-08-28 (generic notice dated 2026-07-27) (Bank notice, the bank's own, read 6 Nov 2026)
- Axis Bank and Fibe partner to launch India's first numberless credit card (press release, 2023-10-10) (Press release, the bank's own, read 6 Nov 2026)
- Terms and Conditions for Dining Delights, Axis Bank Exclusive Dining Program with EazyDiner (PDF created 2026-10-29; offer period 2026-10-01 to 2027-01-31) (Reward terms, the bank's own, read 6 Nov 2026)