Fibe Axis Bank Credit Card
A lifetime-free RuPay cashback card for existing Fibe customers: 3% on online food delivery, entertainment and local commute, 1% on other spends, with all cashback capped at ₹1,500 a statement cycle. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Issued only to existing Fibe customers; Axis Bank's Apply Now button leads to Fibe's website.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Fees are plus GST. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Online food delivery (with online entertainment and local commute, by merchant category) | 3% cashback Terms | up to ₹1,500 a statement cycle (shared) Terms |
| All other eligible spends | 1% cashback Product page | up to ₹1,500 a statement cycle (shared) Terms |
Paid as cashback credited to the card account, by about three days after the statement date.
The 3% rate is paid on a list of merchant category codes for food delivery, online entertainment and local commute; the list includes restaurant codes, so CardWise applies it to food delivery only. Transactions under ₹100 earn nothing.
No rewards on
Benefits
- Lounges: 4 complimentary domestic airport lounge visits a calendar year (1 a quarter) — ₹50,000 of eligible spend in the previous 3 calendar months Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹400 a month Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 3% cashback on online entertainment and local commute (taxis, transit, car rental) by merchant category Terms
- Links to UPI as a RuPay credit card Terms
- Axis Bank Dining Delights discounts at partner restaurants Product page
- Wednesday Delight: up to 15% off flights and hotels on MakeMyTrip Product page
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- a welcome benefit
- an income requirement (the card is sourced only to existing Fibe customers)
Where Axis Bank’s documents differ, and what is used
- Fuel surcharge waiver: the product page gives fills of ₹400 to ₹5,000 and up to ₹400 a month; the MITC lists Fibe with fills of ₹400 to ₹4,000 and up to ₹400 a statement cycle. The product page figures are used.
The quotes behind the figures
25 figures, each copied from an official Axis Bank document.
Show every quote and source
“Joining Fee Nil Annual Fee Nil”
“Foreign currency transaction fee 3.5% of the transaction value”
“Online Food Delivery, Online Entertainment, Online Local Commute** 3%”
“*Capping of Rs. 1500/- per statement cycle will be applicable”
“**Cashback will be given on select MCCs – 5499, 5812,5814, 7841, 7829, 7832, 7922, 4121, 4131, 4111, 7512”
“3% cashback* on food delivery, entertainment & local commute”
“1% cashback* on all other spends.”
“Cashback does not include the following: o Wallet Load o Fuel Spends o Cash Withdrawal o Purchase of Gold Items and all types of Jewellery transactions o Purchase of Gift Cards o EMI transactions”
“Rental Payments (payment of management fees, rental commissions or any such rent related payments)”
“o Repayments o Insurance o Education o Govt Services”
“CC on UPI transactions less than Rs.2000 and CC on UPI transactions on small merchants”
“Cashback is not applicable on transactions less than Rs. 100.”
“Fibe Axis Bank Credit Card (1 complimentary lounge access per quarter)”
“Effective 1st May 2024, access to domestic airport lounges is based on a minimum eligible spend of Rs. 50,000 in the previous 3 calendar months.”
“Complimentary domestic lounge access basis spends* Joining Fee: ₹NIL Annual Fee: ₹NIL Know More Apply Now”
“Enjoy 4 complimentary domestic lounge visit to select airport lounges per calendar year.”
“1% Fuel surcharge waiver is applicable for fuel spends between ₹400 & ₹5000. Max waiver up to ₹400 per month.”
“CC on UPI enabled credit card for seamless transactions”
“Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.”
“Instant savings of up to 15% on flights & hotels via MakeMyTrip”
“Best Seller Co-branded Shopping Fibe Axis Bank Credit Card”
“Primary Cardholder should be 18-70 years of age”
“The bank reserves the right to approve or decline applications for credit card. Apply Now Documentation for Fibe Axis Bank Credit Card”
“*Fibe Axis Bank Credit Card is sourced only to exisitng to Fibe customers.”
“c. Click on Button “Link RuPay Credit Card”, post successful registration d. Select Credit Card Issuer Bank e. Select your Fibe Axis Bank Credit Card to be linked”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology