The verdict
A modern, zero-cost cashback card for millennials and Gen-Z. With zero annual fees, built-in RuPay UPI linkage, 3% cashback on daily food and commute expenses, and physical numberless plastic that prevents fraud at offline counters, it provides tremendous practical everyday value.
The maths for it
Spending ₹5,000/mo on Swiggy/Zomato/cabs (₹1,800/yr savings) + ₹10,000/mo other UPI/retail spends (₹1,200/yr savings) generates ₹3,000 in annual direct cashback against ₹0 fee.
The maths against
For large offline retail or international purchases, premium travel cards provide higher milestone yields and lower forex rates.
✓What works
- +3% flat cashback on food delivery (Swiggy, Zomato) and cab rides (Uber, Ola).
- +1% flat unlimited cashback on all other online and offline retail spending.
- +100% Numberless plastic card — card number, expiry date, and CVV are concealed inside the secure Fibe app.
- +100% Lifetime Free (LTF) with zero joining and zero renewal fees.
- +4 complimentary domestic airport lounge visits per year (1 per quarter).
- +RuPay enabled for direct UPI QR scan payments across India.
✕What doesn't
- −Monthly 3% cashback pool capped at ₹1,500.
- −Domestic lounge access requires ₹50,000 spend in the preceding quarter.
- −No cashback on rent, fuel, and wallet loads.
What it earns
Cashback earned is directly adjusted in the monthly credit card statement.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Swiggy, Zomato, Uber, Ola & Dining | 3.0% Flat Cashback | ₹1,500 / month | ₹3,000 (Capped at ₹1.5k/mo) |
| All Other Domestic Retail Spends | 1.0% Flat Cashback | Uncapped | ₹1,000 |
| Fuel & Rent | 0% | Excluded | ₹0 |
Accelerated earn
3% on Food & Cabs + Numberless Anti-Fraud Plastic
Earn top cashback on daily commute and dining.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Swiggy, Zomato, Uber & Ola3% cashback on food & mobility. | 3× · 3.0% | ₹1,500 / month | — |
| RuPay UPI Payments1% flat on merchant QR scans. | UPI · 1.0% | Uncapped | — |
Redemption options
Automatic statement credit — zero manual redemption required.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Auto Statement Credit (Cashback)BEST VALUE | ₹1.00 per ₹1.00 cashback | ₹0 (Auto-credited) | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Swiggy, Zomato, Uber, and Ola transactions.
- +RuPay UPI payments at merchant stores.
- +4 complimentary domestic airport lounges per year (1 per quarter).
✕Excluded Spends & Fee Traps
- −Rent payments.
- −Fuel transactions (1% surcharge waiver on ₹400–₹4,000).
- −Wallet load transactions.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Renewal Fee | ₹0 (Lifetime Free Forever) |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.6% / month (43.2% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹25,000+ monthly net salary |
| Self-Employed Income | ITR above ₹3.0 Lakhs per annum |
Frequently Asked Questions
Does Fibe Axis Bank Credit Card offer airport lounge access?
Yes. 4 Domestic Lounges / year (1/qtr on ₹50k spend)
What are the MITC charges, annual fees, and interest rates for Fibe Axis Bank Credit Card?
The annual renewal fee is ₹0 (Lifetime Free Forever). Fee waiver condition: Lifetime Free — No annual fee forever. Revolving balance finance charges: 3.6% / month (43.2% / year). Foreign currency markup: 3.5% + GST. Check the current issuer MITC for other or missing charges.
What is the reward rate and point redemption value on Fibe Axis Bank Credit Card?
Published earn rate: 3% Flat on Food & Cabs · 1% other spends · Numberless Security · RuPay UPI. Listed Auto Statement Credit (Cashback) value: ₹1.00 per ₹1.00 cashback.
Which transactions are excluded from earning rewards on Fibe Axis Bank Credit Card?
Listed exclusions: Rent payments., Fuel transactions (1% surcharge waiver on ₹400–₹4,000)., Wallet load transactions.. Check the issuer terms for any fuel surcharge waiver.
Who is Fibe Axis Bank Credit Card best suited for in 2026?
The card details describe it as suited to Food delivery on Swiggy/Zomato, Ola/Uber rides, UPI payments & fraud protection. Compare its terms with your spending and annual fee.
Editorial Deep-Dive Analysis
Comprehensive Overview: Fibe Axis Bank Credit Card
The Fibe Axis Bank Credit Card is a modern, 100% Lifetime Free (LTF) co-branded RuPay credit card engineered in alliance with fintech platform Fibe (formerly EarlySalary). Designed for mobile-first millennials, young professionals, and digital natives, the card is issued with zero joining fee and zero annual renewal fee forever, making it one of the most accessible RuPay credit cards in the Indian banking landscape.
The card seamlessly links with RuPay-enabled UPI payment applications (such as BHIM, PhonePe, Google Pay, and Paytm) to enable merchant QR code payments, while delivering 3.0% cashback on food delivery, dining, and entertainment, 1.0% flat cashback on all other online and offline POS transactions, and 4 domestic airport lounge visits per year.
Key Privileges and Practical Everyday Benefits
- 100% Lifetime Free RuPay Credit Card: Zero joining fee and zero annual renewal fee forever with zero spending conditions or minimum threshold requirements.
- RuPay UPI Merchant QR Integration: Link your physical or virtual credit card directly to your favorite UPI app to make frictionless credit payments at neighborhood merchants, grocery stores, and cafes by scanning merchant QR codes.
- 3% Cashback on Food Delivery & Entertainment: Earn 3.0% direct statement cashback on dining out, food delivery apps, and entertainment ticket bookings.
- 1% Flat General Retail Cashback: Earn 1.0% flat cashback on all other eligible online shopping and physical point-of-sale swipes.
- Domestic Airport Lounge Access: 1 complimentary domestic airport lounge visit per calendar quarter (4 visits/year) across major airport terminals in India (subject to the standard ₹50,000 spend in the preceding 3 calendar months).
Important Terms and Spend Conditions to Keep in Mind
- UPI P2P Transfer Exclusion: RuPay credit card UPI integration functions exclusively for merchant QR code transactions (P2M); peer-to-peer (P2P) transfers to personal bank accounts or friends are strictly barred by NPCI regulations.
- Quarterly Lounge Access Spend Gate: Domestic lounge access requires spending at least ₹50,000 in the preceding 3 calendar months.
- Excluded Spend Categories: Fuel purchases, rent payments, wallet reloads, cash advances, and government utility payments do not earn cashback.
- Cashback Credit Mechanism: Earned cashback is automatically credited directly to the credit card statement balance.
- Dynamic Currency Conversion (DCC) Fee: A 1.0% + GST markup applies on foreign transactions processed in INR by overseas merchants.
Who Benefits Most
- UPI Digital Natives & Mobile Shoppers: Young professionals who prefer scanning UPI QR codes for daily expenses rather than carrying physical plastic cards.
- Dining & Food Delivery Enthusiasts: Spenders ordering food and dining out who want a guaranteed 3.0% statement cashback on daily meals.
- Zero-Fee Card Seekers: Individuals wanting a permanent Lifetime Free credit card with RuPay UPI functionality and airport lounge backup.
linkVerified Data & Notice Sources
- Axis Bank — Fibe Credit Card schedule of charges
- Fibe & Axis Bank — 3% category cashback and numberless security terms
Independent Editorial & Statutory Disclaimers
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