In-depth review
Fibe Axis Bank Credit Card
A lifetime-free RuPay 'numberless' card that pays 3% cashback on food delivery, entertainment and local commute (combined ₹1,500/cycle cap) and 1% on everything else. It is sold as a UPI card, but credit-card-on-UPI under ₹2,000 and UPI to small merchants earn nothing — so read that before you plan around it. Lounge visits and a fuel-surcharge waiver at zero cost still make it a tidy secondary card, as long as you can get it, because it's gated to Fibe app customers.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
3% cashback at Online food delivery (Swiggy, Zomato)
3% on online food delivery — shares the ₹1,500/cycle cap with entertainment and local commute
3% on OTT & Entertainment
3% on entertainment spends — shares the ₹1,500/cycle cap
Airport Lounge Access
Up to 4 complimentary domestic airport lounge visits a year (max 1 per quarter) — requires ₹50,000 of eligible spend in the previous 3 calendar months, waived only for the month the card is issued and the 3 calendar months after it
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹400/month
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
3.0%
dining cashback
1.0%
Base rate (all other spends)
₹1,500
Monthly cap (accelerated)
- 3.0% cashback on dining
- 1.0% on all other spends — no restrictions
- Accelerated cashback capped at ₹1,500/month
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
3.0%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic airport lounge access (4 domestic visits/yr, worth ~₹2,000)
- Miles on: Local commute and cabs
- 3.0% effective return on travel bookings
Young spenders whose statement is food delivery, OTT/entertainment and cab rides, who can get it through the Fibe app. A free secondary card for that basket — not a general UPI earner, because small-ticket CC-on-UPI is excluded, and not a high-spend primary.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Diningonly at Online food delivery (Swiggy, Zomato) | cashback | 3% | ₹1,500one cap shared with OTT & Entertainment, Travel |
| OTT & Entertainment | cashback | 3% | ₹1,500one cap shared with Dining, Travel |
| Travelonly at Local commute and cabs | cashback | 3% | ₹1,500one cap shared with Dining, OTT & Entertainment |
| Other | cashback | 1% | — |
Dining: 3% on online food delivery — shares the ₹1,500/cycle cap with entertainment and local commute · Online food delivery (Swiggy, Zomato)
OTT & Entertainment: 3% on entertainment spends — shares the ₹1,500/cycle cap
Travel: 3% on local commute / cabs — shares the ₹1,500/cycle cap · Local commute and cabs
Other: 1% cashback on all other spends. Credit-card-on-UPI transactions under ₹2,000, and CC-on-UPI to small merchants, earn nothing; no transaction under ₹100 earns at all.
Earns nothing on: Rent · Wallet Loads · Fuel · Government & Tax · Insurance · Education · Cash Advances · EMI Conversions · Gold and jewellery · Gift Cards & Vouchers · Tolls & Road Fees
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹400 |
Perks & benefits
Estimated annual value beyond rewards — ~₹2,000/yr in total.
Up to 4 complimentary domestic airport lounge visits a year (max 1 per quarter) — requires ₹50,000 of eligible spend in the previous 3 calendar months, waived only for the month the card is issued and the 3 calendar months after it
Should you get it?
- Best for: Young, UPI-first spender on food delivery, OTT and cabs, Fibe app customer wanting a free cashback card, Secondary everyday card alongside a primary rewards card
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on OTT & Entertainment (3% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Lifetime free — no joining or annual fee
- 3% cashback on food delivery, entertainment and local commute
- UPI-linked RuPay, with up to 4 domestic lounge visits a year on ₹50,000 of prior-3-month spend
- Numberless design for added security
✕ Cons
- Credit-card-on-UPI under ₹2,000 and CC-on-UPI to small merchants earn no cashback — most everyday QR payments by count are excluded, on a card sold as UPI-first
- 3% categories share a single ₹1,500/cycle cap — a top-up card, not a primary one
- Lounge visits are not unconditional — they need ₹50,000 of eligible spend in the prior 3 months
- Currently offered to Fibe app customers only — availability is gated
- 3.5% forex markup — not for international transactions
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Cashback auto-credited / adjusted to the statement
- 🎁Earn cashback on UPI transactions via linked apps
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The card is sold as UPI-first, yet credit-card-on-UPI under ₹2,000 and CC-on-UPI to small merchants earn no cashback at all — which is most everyday QR payments by count. The 3% categories also share one ₹1,500/cycle cap, and availability is limited to Fibe app customers.
Frequently asked questions
Is the Fibe Axis Bank card lifetime free?
How much cashback does it earn?
Can I use it on UPI, and does UPI earn cashback?
Are the lounge visits unconditional?
What is a numberless card?
Does Axis charge a fee on any of my everyday spends?
How will Axis apply my payment across the outstanding balance from 28 August 2026?
How has the Fibe Axis Bank Credit Card changed over time?
Has the Fibe Axis Bank Credit Card been devalued recently?
When did the Fibe Axis Bank Credit Card's fees last change?
How did the Fibe Axis Bank Credit Card change in 2026?
The bottom line
A tidy free RuPay card for the food-delivery / entertainment / commute basket — 3% there, 1% everywhere else, lounges and a fuel waiver at zero cost, with a slick numberless design. Two things to size it against: the shared ₹1,500/cycle cap, and the UPI exclusions that quietly remove most everyday QR payments from the 1% base. It is Fibe-customer-gated; within those limits it is a good free card, but it is a category card, not the UPI workhorse the framing suggests.
How this page was built
Counted from this card’s own record: 4 earn rules, 3 of them capped, 2 paid only at named merchants, the spends listed as earning nothing and 1 recorded perk.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Fibe Axis Bank Credit Card are taken from Axis Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Axis Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Fibe Axis Bank Credit Card
A lifetime-free RuPay 'numberless' card that pays 3% cashback on food delivery, entertainment and local commute (combined ₹1,500/cycle cap) and 1% on everything else. It is sold as a UPI card, but credit-card-on-UPI under ₹2,000 and UPI to small merchants earn nothing — so read that before you plan around it. Lounge visits and a fuel-surcharge waiver at zero cost still make it a tidy secondary card, as long as you can get it, because it's gated to Fibe app customers.
Axis Bank SUPERMONEY RuPay Credit Card
A lifetime-free RuPay/UPI card built with the super.money app that pays 3% cashback on QR scan-and-pay through the app and 1% on everything else. A January 2026 revamp removed the flat ₹500-per-statement-cycle cap — the 1% base is now uncapped — but the 3% is now capped at the cashback you earn from your other spends, so it stays a strong secondary UPI card rather than a primary one.
Best RuPay (UPI) Credit Cards in India (2026): What Actually Earns on UPI
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · last change Aug 2026
2026
- ▼ FeeObserved 29 Jul 2026 · Effective 28 Aug 2026
Dynamic currency conversion markup more than doubles to 3.5%
1.5% + GST→3.5% + GST
Axis Bank raised the dynamic currency conversion mark-up from 1.5% to 3.5% plus GST. DCC applies when an overseas merchant offers to bill you in rupees instead of the local currency, and it stacks on top of the usual foreign-currency mark-up. Declining the rupee option at the terminal and paying in the local currency avoids the charge entirely.
Verification: Axis Bank ↗ · Confidence: High
- ▼ FeeObserved 29 Jul 2026 · Effective 28 Aug 2026
New top late-payment slab of Rs 1,300 above Rs 50,000
Rs 1,200 on any total payment due above Rs 10,000→Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank added a fifth late-payment slab. Everything up to Rs 50,000 is unchanged, but a total payment due of more than Rs 50,000 now attracts Rs 1,300 instead of Rs 1,200. The same notice fixes the order in which a payment is applied to the outstanding: fees and charges including taxes first, then EMIs, interest, purchases and cash advances.
Verification: Axis Bank ↗ · Confidence: High
- ▼ RewardObserved 29 Jul 2026 · Effective 28 Aug 2026
Tolls and road fees stop earning rewards; gift cards split into their own category
Bridge fees, road fees and tolls earned at the normal rate→No rewards or cashback on bridge fees, road fees and tolls
Axis Bank added bridge fees, road fees and tolls to the spends that earn nothing. Separately, gift card purchases move out of the Wallet spend category into a new Gift Card category; they already earned no rewards, and they continue to be excluded from spend-based fee waivers and milestone thresholds.
Verification: Axis Bank ↗ · Confidence: High
2025
- ◆ RewardEffective 20 Jun 2025
Reward-exclusion method switched from MCC to spend category
MCC-based→spend-category-based
Axis reworked how non-earning spends are identified — by spend category (Rent, Wallet load, etc.) rather than the 4-digit Merchant Category Code. Axis states the excluded categories themselves are unchanged: Education, Rent, Wallet load, Government services, Insurance, Gold & Jewellery, Fuel, Gift Cards, Cash advances and Repayments earn no cashback.
Verification: Axis Bank ↗ · Confidence: High
2024
- ▼ FeeEffective 20 Dec 2024
Spend surcharges introduced across the Axis portfolio
No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn→1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps
Axis's portfolio-wide repricing of 20 December 2024 applies to the Fibe card as it does to every other active Axis card, and it is published on the Fibe product page's own Fees & Charges table. The surcharges are assessed on cumulative spend within a statement cycle rather than per transaction, so they switch on once for the whole cycle's volume in that category. They bite less here than on a utility-rewarding card, since Fibe pays only the 1% base on utilities — but a fee on a spend earning 1% is a net negative, and the rent surcharge is uncapped. The equivalent event was already recorded on the Axis Cashback timeline; it was missing here.
Verification: Axis Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/axis-fibe#value-timeline">Fibe Axis Bank Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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