{
  "id": "axis-fibe-credit-card",
  "locale": "hi",
  "name": "Fibe Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (लाइफटाइम फ्री / LTF)",
  "loungeAccess": "4 घरेलू लाउंज / वर्ष (₹50k तिमाही खर्च शर्त)",
  "rewardsRate": "फूड व कैब पर 3% फ्लैट कैशबैक · 1% अन्य खर्च · नंबरलेस सुरक्षा · RuPay UPI",
  "bestFor": "स्विगी/ज़ोमैटो फूड डिलीवरी, ओला/उबर कैब, UPI भुगतान और क्लोनिंग से सुरक्षा",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/fibe-axis-bank-credit-card",
  "aiVerdict": {
    "score": 5.9,
    "summary": "Its modest reward rate and lifetime-free pricing offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3,
  "affiliateId": "axis-fibe-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Fibe Credit Card schedule of charges",
    "Fibe & Axis Bank — 3% category cashback and numberless security terms"
  ],
  "feeWaiver": "लाइफटाइम फ्री — कोई वार्षिक शुल्क नहीं",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "फूड डिलीवरी व कैब",
      "value": "3% फ्लैट कैशबैक"
    },
    {
      "key": "अन्य सभी खर्च",
      "value": "1% फ्लैट कैशबैक"
    },
    {
      "key": "सुरक्षा डिजाइन",
      "value": "100% नंबरलेस प्लास्टिक"
    },
    {
      "key": "UPI इंटीग्रेशन",
      "value": "RuPay UPI QR समर्थित"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "4 विज़िट / वर्ष (1/तिमाही)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹0 लाइफटाइम फ्री"
    }
  ],
  "earnRates": [
    {
      "category": "Swiggy, Zomato, Uber, Ola व डाइनिंग",
      "rate": "3.0% Flat Cashback",
      "monthlyCap": "₹1,500 / माह",
      "perLakhSpent": "₹3,000 (अधिकतम ₹1.5k/माह)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "1.0% Flat Cashback",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "₹1,000"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Swiggy, Zomato, Uber, Ola",
      "multiplier": "3×",
      "rate": "3.0%",
      "monthlyCap": "₹1,500 / माह",
      "dailyCap": "—",
      "note": "फूड और मोबिलिटी पर 3% कैशबैक।"
    },
    {
      "channel": "RuPay UPI भुगतान्स",
      "multiplier": "UPI",
      "rate": "1.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "मर्चेंट QR कोड स्कैन पर 1% कैशबैक।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ऑटो स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹1.00 प्रति ₹1.00 कैशबैक",
      "minPoints": "₹0 (ऑटो-क्रेडिट)",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹0 (लाइफटाइम फ्री)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹0 (हमेशा के लिए लाइफटाइम फ्री)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹25,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹3.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}