India's first numberless credit card with up to 3% cashback and lifetime free benefits
1% on ₹400-₹5,000 transactions (max ₹400/transaction)
Up to 3% cashback on entertainment, food delivery, commute; 1% on other spends
No specific welcome bonus
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| Benefit | Details |
|---|---|
| Lifetime Free | No joining fee, annual fee, or renewal fee – completely free |
| Numberless Design | India's first numberless credit card with no CVV, expiry date, or card number printed |
| Cashback Rewards | Earn up to 3% cashback on entertainment, food delivery, and commute transactions |
| Domestic Lounge Access | 4 complimentary domestic lounge visits per year (1 each quarter) |
| UPI Enabled | Link to your preferred UPI app for contactless payments |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400-₹5,000 |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank & Fibe |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards & Cashback |
| Type of Card | RuPay |
| Free or Paid | Lifetime Free |
| Available To | Fibe Customers Only |
The Fibe Axis Bank RuPay Credit Card is one of the popular choices for people seeking a secure, lifetime-free credit card with meaningful rewards on everyday spending. Designed as a co-branded offering between Axis Bank and Fibe, this card is particularly attractive for first-time credit card holders and those prioritising security and simplicity.
Numberless Design: The card features no printed card number, CVV, or expiry date on the physical card. All details are securely stored only in the Fibe app, providing enhanced protection against card fraud, theft, and unauthorised use.
UPI-Enabled Payments: Link your card to UPI apps like Google Pay, Paytm, PhonePe, and Mobikwik for seamless, contactless transactions. You can make payments without carrying the physical card everywhere.
Cashback on Everyday Spends: Earn up to 3% cashback on entertainment, food delivery, and commute transactions, with 1% cashback on all other purchases.
Domestic Lounge Access: Enjoy 4 complimentary domestic lounge visits per year (1 each quarter) across major airports, including Bangalore, Chennai, Mumbai, Kolkata, Hyderabad, and New Delhi.
Dining Benefits: Receive 15% discount up to ₹500 on dining transactions at over 1,000 partner restaurants through the Axis Bank Dining Delights Program.
Fuel Surcharge Waiver: Get 1% fuel surcharge waiver on fuel transactions between ₹400-₹5,000 (maximum ₹400 per transaction).
Accelerated Cashback Categories:
Entertainment Spends: 3% cashback
Food Delivery: 3% cashback
Commute: 3% cashback
All Other Purchases: 1% cashback
Transactions below ₹100 are not eligible for cashback
Cashback is credited on a T+3 days basis from the statement generation date (e.g., if the statement date is March 12th, cashback earned between February 12th-March 11th will be credited by March 15th)
Excluded Categories: Cashback is not applicable on: Cash withdrawals, wallet reloads, fuel spends, purchase of gift cards, EMI transactions, rental payments, insurance payments, government service payments, and UPI transactions below ₹2,000.
Cashback is automatically credited to your account – no redemption process required
Accumulated cashback will be reflected in your next statement
Complimentary Lounge Visits: Get 1 complimentary domestic lounge access every quarter (4 visits per year). No additional charges or conditions apply.
Participating Airport Lounges: Available at major airports including Bangalore, Chennai, Mumbai, Kolkata, Hyderabad, and New Delhi across multiple terminals.
Enjoy 15% discount up to ₹500 on dining transactions at over 1,000 partner restaurants through the Axis Bank Dining Delights Program.
1% fuel surcharge waiver on transactions between ₹400-₹5,000
Maximum waiver limit: ₹400 per transaction
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | Nil | No one-time charge when the card is issued |
| Annual Fee | Nil | No annual renewal charges |
| Renewal Fee | Nil | Completely free to renew |
| Add-on Card Fee | Nil | No additional charges for supplementary cards |
| Foreign Transaction Fee | 3.5% | Charged on all international transactions |
| Finance Charges | 3.6% per month (52.86% per annum) | Interest on outstanding balance |
| Late Payment Charges | Variable | Below ₹500: ₹0; ₹501-₹5,000: ₹500; ₹5,001-₹10,000: ₹750; Above ₹10,000: ₹1,200 |
| Rental Payment Charge | 1% | Maximum cap at ₹1,500 per statement cycle |
| Criteria | Details |
|---|---|
Age | Minimum 18 years, Maximum 70 years |
Residency | Must be a resident of India |
Customer Status | Currently available only to Fibe customers |
Additional Requirement | Must be eligible as determined by Fibe's assessment |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card |
| Address Proof | Aadhaar Card, Passport, or Driving License |
| Income Proof | Latest Salary Slips or Form 16 |
| Photographs | Passport-size photographs |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Fibe Axis Bank RuPay Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
View Card Details Securely | Access your card number, CVV, and expiry date only through the Fibe app; details are not stored on the app for added security |
Make Online Purchases | Activate your card instantly in the Fibe app and start making online purchases without waiting for the physical card to arrive |
Offline Transactions | Swipe or tap your physical card at merchant terminals for contactless payments once received |
Link to UPI | Add your card to UPI apps (Google Pay, Paytm, PhonePe, Mobikwik) for seamless payments. Generate a UPI PIN during the linking process |
Earn Cashback Rewards | Use the card for entertainment, food delivery, and commute transactions to maximise your 3% cashback earnings |
Redeem Cashback | Cashback is automatically credited to your account on a T+3 basis – no redemption action needed |
Access Lounge Benefits | Show your card and registered mobile number at participating airport lounges for complimentary access |
Check Transaction History | Monitor all transactions, cashback earned, and available credit limit through the Fibe app's credit card section |
Manage Card Controls | Set up transaction alerts and card controls through the Fibe app to track spending and prevent unauthorised use |
Pay Your Bill | Pay your credit card bill through UPI, NEFT bank transfer, or other approved channels before the due date (15 days from bill generation) |
The Fibe Axis Bank RuPay Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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