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Fibe Axis Bank Credit Card Review 2026: Fees, Rewards & UPI

Explore the Fibe Axis Bank Credit Card. Enjoy 3% cashback on Swiggy, Zomato, and Uber with zero annual fees. India's first numberless RuPay UPI card.

Vyaya Team · Mar 2026
5 min read
Value Score
8.5 / 10
Annual Fee
₹0
Best For
Gen-Z & Millennials, UPI Users
Network
RuPay
Expert Verdict

The Fibe Axis Bank Credit Card is a standout entry-level product, offering a rare combination of lifetime-free status and meaningful 3% cashback on popular apps. Its numberless security and UPI integration make it a perfect first card for young professionals.

Fibe Axis Bank Credit Card credit card by Axis Bank - RuPay network
REWARD SUMMARY
1% Base Rewards
India's first numberless credit card for the tech-savvy generation.
← Tap to flip back

The Bottom Line

The Fibe Axis Bank Credit Card is a standout entry-level product, offering a rare combination of lifetime-free status and meaningful 3% cashback on popular apps. Its numberless security and UPI integration make it a perfect first card for young professionals. With no annual fee, it offers numberless design and 1% base rewards. For anyone researching fibe axis bank credit card, the verdict is simple: recommended.

It earns a base reward rate of 1% and stacks best when your spending lines up with Gen-Z & Millennials, UPI Users.

What we like
+3% flat cashback on food delivery (Zomato, Swiggy), entertainment (BookMyShow), and local commute (Uber, Ola)
+Lifetime Free (LTF) card with no joining or annual maintenance charges
+Numberless card design provides enhanced security against physical card cloning
+RuPay network allows linking to UPI apps for credit-on-UPI payments
What we don't
Monthly cashback is capped at ₹1,500 across all categories
Extremely high finance charges of 3.6% per month (52.86% per annum)
Excludes major spending categories like rent, insurance, and education from cashback

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Gen-Z & Millennials

High rewards on digital-first lifestyle spends like food delivery and ride-hailing.

Best value above ₹10,000/month
+
UPI Users

RuPay variant enables seamless credit card payments via UPI QR codes.

Best value above ₹5,000/month

Probably not for

Skip
High Spenders

The ₹1,500 monthly cashback cap limits the benefit for those spending over ₹50,000 per month.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
05,000Max ₹50k
Est. Returns
✈️
Travel
010,000Max ₹1L
Est. Returns
🛒
Shopping
08,000Max ₹80k
Est. Returns
🥬
Groceries
06,000Max ₹40k
Est. Returns
Annual rewards0
Annual feeFREE
Net Value (Year 1)+0
Net Value (Year 2+)+0

Sign in for personalized estimates based on your actual spending

Reward Rates

Fibe Axis Bank Credit Card offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

Flat 1% on all spends

Fees & Charges

Joining fee₹0
Annual fee₹0
Fee waiverN/A

Eligibility

  • Min Income: ₹1.8 Lakhs
  • Min Credit Score: 700
  • Available for salaried and self-employed individuals aged 18-70 years. Primarily targeted at Fibe (formerly EarlySalary) users.

Exclusions & Terms

Fuel

    Wallet Load

      Rent Payments

        Insurance Premiums

          Educational Fees

            Government Services

              Gold/Jewellery

                EMI Transactions

                  Cash Advances

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                    Annual Fee
                    ₹0
                    ₹0
                    ₹500
                    ₹499
                    Joining Fee
                    ₹0
                    ₹0
                    ₹500
                    ₹499
                    Reward Rate
                    1%
                    1%
                    1%
                    1%
                    Network
                    RuPay
                    Visa
                    Visa
                    Visa
                    Best For
                    Gen-Z & MillennialsUPI Users
                    amazon-loyalistbeginner-shopper
                    Flipkart & Myntra LoyalistsLifestyle Spenders
                    utility-optimizerfoodie-and-commuter

                    Frequently Asked Questions

                    3 data-backed answers from our card database

                    Is the Fibe Axis Bank Credit Card free for life?+

                    Yes, the Fibe Axis Bank Credit Card is a lifetime free (LTF) card with no joining or annual renewal fees.

                    What is the cashback rate for UPI transactions?+

                    The card offers 1% cashback on all other spends, including eligible UPI transactions above ₹2,000 at large merchants.

                    Does it offer airport lounge access?+

                    Yes, it provides 4 complimentary domestic airport lounge visits per year, limited to 1 visit per calendar quarter.

                    Ready to apply?

                    ₹0 fee. Excellent rewards. Apply now securely.

                    Apply on Axis Bank

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