Fibe Axis Bank Credit Card
Fibe's Axis Bank card doesn't charge anything to hold — no joining cost, no annual renewal fee — and comes through the Fibe app (previously known as EarlySalary). Spend on food delivery, entertainment or local cabs and you get 3% cashback, though those three categories share one ₹1,500 ceiling per billing cycle; step outside them and the rate drops to a flat 1%. Worth flagging up front: any credit-card UPI payment below ₹2,000 earns zero cashback, as does CC-on-UPI to smaller merchants, and transactions under ₹100 never earn regardless of category — so the routine ₹200 QR-code payment this card gets marketed around typically returns nothing. On the upside, it's the first numberless card in India (card number and CVV live only in the app, not printed on plastic), rides RuPay rails for UPI compatibility, and throws in up to four domestic lounge visits a year once a spending threshold is cleared, plus a 1% fuel surcharge waiver. One limitation to know before applying: it's currently available only to people already using the Fibe app.
Key features
The essentials worth knowing before you look any further.
3% on Dining
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
1 complimentary visits per quarter at domestic and international airport lounges
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
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | cashback | 3% | ₹1,500 |
| OTT & Entertainment | cashback | 3% | ₹1,500 |
| Travel | cashback | 3% | ₹1,500 |
| Other | cashback | 1% | — |
Fees & charges
| 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
Non-reward perks add up to roughly ₹1,200 a year in estimated value.
️ lounge access ~ ₹1,200 /yr
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 spenders on food delivery, OTT and cabs; Fibe app customers wanting a genuinely free cashback card; and anyone looking for a secondary everyday card alongside a primary rewards card.
An entry-tier card, well suited to first-time and lower-spend users.
Value is strongest for shoppers who route dining spend through it.
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- No cost to hold — zero joining fee, zero annual fee
- 3% cashback on food delivery, entertainment and local commute
- UPI-compatible via RuPay, plus up to 4 domestic lounge visits yearly once you've spent ₹50,000 in the prior three months
- Numberless card format adds a layer of security
✕ Cons
- Small UPI payments — under ₹2,000, or any CC-on-UPI to a small merchant — earn nothing, which cuts out a large share of everyday transactions on a card pitched as UPI-friendly
- The 3% categories all draw from one combined ₹1,500-per-cycle cap, making this more of a supplementary card than a primary one
- Lounge access isn't free-standing — it requires ₹50,000 in eligible spend over the prior three months
- Only open to existing Fibe app users for now
- 3.5% forex markup makes it a poor choice for spending abroad
Eligibility & documents
Age
18 –70 years
Min. income
₹15,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
How the cashback you earn actually reaches you.
🎁 Cashback auto-credited / adjusted to the statement
🎁 Earn cashback on UPI transactions via linked apps
What your Cashback are worth
What each redemption path is actually worth in practice — where most cardholders miss out.
Statement credit Direct cash adjustment — no conversion
The concern Despite being pitched as a UPI-first card, it pays no cashback on credit-card-on-UPI transactions below ₹2,000 or on CC-on-UPI to small merchants — covering the bulk of everyday QR payments. The three 3% categories also share a single ₹1,500 monthly cap, and eligibility is currently limited to Fibe app users.
The bottom line
A solid no-cost RuPay option for anyone whose spending clusters around food delivery, entertainment and short-hop travel — 3% there, 1% on the rest, free lounge access and a fuel waiver on top, wrapped in a numberless card design. Weigh it against two limits: all three bonus categories draw from a single shared ₹1,500 monthly pool, and the UPI carve-outs quietly strip rewards from a lot of routine small payments. Only Fibe app users can get one right now; within that circle and those caps, it earns its keep as a free card, though it's more of a niche category pick than the all-purpose UPI card its marketing implies.
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 verified 15 Aug 2026 . Reviewed by SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred 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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