Fibe Axis Bank Credit Card
India's first numberless credit card with flat 3% cashback on daily spends.
Annual Fee
FREE
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
The Fibe Axis Bank Credit Card is an excellent entry-level, lifetime-free option for digital natives. Its standout feature is the 3% cashback on popular daily-use apps and its numberless security. However, the recent implementation of spend-based lounge criteria and the monthly cashback cap make it less attractive for heavy spenders.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹6,000
Year 2+
+₹6,000
Why get this card
Lifetime Free card with no joining or annual fees ever
High 3% cashback on Swiggy, Zomato, Uber, Ola, and BookMyShow
Numberless card design provides enhanced security against physical theft of card details
RuPay variant allows seamless UPI payments with credit card linkage
Watch out for
Monthly cashback is capped at ₹1,500 across all categories
Lounge access requires a high spend of ₹50,000 in the previous 3 months
Cashback is not applicable on transactions below ₹100
+1 more considerations
- Extensive list of excluded categories including Utilities, Insurance, and Education
Who is this card for?
Best for
Gen Z and Young Professionals
Users who frequently use apps like Swiggy, Zomato, and Uber for daily needs.
Min: ₹10,000/mo
UPI Enthusiasts
Individuals looking to earn rewards on small merchant UPI payments via RuPay.
Min: ₹5,000/mo
Skip if you're
High Spenders
The ₹1,500 monthly cashback cap limits the value for those spending over ₹50,000-₹1,00,000 per month.
International Travelers
No international lounge access and a standard 3.5% forex markup fee.
Base Earning
1 Cashback
per ₹100 spent
1.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
Swiggy, Zomato, Uber, Ola, BookMyShow - DINING/TRAVEL/ENTERTAINMENT
3×
3% return
1500 pts/month
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank
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