{
  "id": "axis-fibe-credit-card",
  "locale": "hinglish",
  "name": "Fibe Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0 (Lifetime Free / LTF)",
  "loungeAccess": "4 Domestic Lounges / year (1/qtr on ₹50k spend)",
  "rewardsRate": "3% Flat on Food & Cabs · 1% other spends · Numberless Security · RuPay UPI",
  "bestFor": "Food delivery on Swiggy/Zomato, Ola/Uber rides, UPI payments & fraud protection",
  "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": "Lifetime Free — No annual fee forever",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Food Delivery & Cabs",
      "value": "3% Flat Cashback"
    },
    {
      "key": "All Other Spends",
      "value": "1% Flat Cashback"
    },
    {
      "key": "Security Design",
      "value": "100% Numberless Plastic"
    },
    {
      "key": "UPI Integration",
      "value": "RuPay UPI QR Enabled"
    },
    {
      "key": "Domestic Lounge",
      "value": "4 visits / year (1/qtr)"
    },
    {
      "key": "Annual Fee",
      "value": "₹0 Lifetime Free"
    }
  ],
  "earnRates": [
    {
      "category": "Swiggy, Zomato, Uber, Ola & Dining",
      "rate": "3.0% Flat Cashback",
      "monthlyCap": "₹1,500 / month",
      "perLakhSpent": "₹3,000 (Capped at ₹1.5k/mo)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.0% Flat Cashback",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹1,000"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Swiggy, Zomato, Uber & Ola",
      "multiplier": "3×",
      "rate": "3.0%",
      "monthlyCap": "₹1,500 / month",
      "dailyCap": "—",
      "note": "3% cashback on food & mobility."
    },
    {
      "channel": "RuPay UPI Payments",
      "multiplier": "UPI",
      "rate": "1.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "1% flat on merchant QR scans."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Auto Statement Credit (Cashback)",
      "value": "₹1.00 per ₹1.00 cashback",
      "minPoints": "₹0 (Auto-credited)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹25,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹3.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}