Fibe Axis Bank RuPay Credit Card

The Fibe Axis Bank RuPay Credit Card is a pioneering “numberless” credit card developed through a partnership between Axis Bank and the lending platform Fibe. Designed with a focus on high security and digital-first users, the physical card does not display a card number, expiry date, or CVV, significantly reducing the risk of fraud and card cloning. As a RuPay-powered card, it is built for the modern Indian consumer, offering seamless integration with UPI apps for scan-and-pay transactions. It combines the security of a private credit line with the everyday convenience of mobile payments, making it a robust tool for frequent food delivery, entertainment, and commute spends.

Fibe Axis Bank RuPay Credit Card

Joining Fees	Nil
Annual Fees	Nil
Card Type	Rewards
Network Type	Rupay

Rewards & Benifits

3% Cashback on online food delivery, entertainment, and local commute.
1% Cashback on all other eligible spends, including UPI transactions above ₹2,000.
4 complimentary domestic lounge visits per calendar year (limited to 1 per quarter).
15% Discount at over 10,000 partner restaurants across India via the Dining Delights program.
1% Fuel Surcharge Waiver on transactions between ₹400 and ₹5,000 (Max waiver of ₹400 per month).
Numberless Security: Enhanced protection as sensitive card details are only accessible via the Fibe or Axis Bank app.

Fees & Charges

Finance Charges: 3.75% per month (55.55% per annum).
Cash Withdrawal Fee: 2.5% of the amount (Minimum ₹500).
Late Payment Fee: Nil for dues up to ₹500; up to ₹1,200 for dues above ₹10,000.
Foreign Currency Transaction Fee: 3.50% of the transaction value.
Rent Transaction Fee: 1% of the transaction amount (capped at ₹1,500).
Cash Payment Fee: ₹175 for payments made at bank branches.

Card Details

Cashback Capping: Total cashback is limited to ₹1,500 per statement cycle.
UPI Compatibility: Can be linked to any third-party UPI app (BHIM, PhonePe, Google Pay) for merchant payments.
Tap-to-Pay: Supports contactless NFC transactions at retail outlets.
Excluded Categories: Fuel, wallet loads, gift cards, EMI, jewelry, rent, insurance, government services, and education do not earn cashback.

Pros & Cons

Truly Lifetime Free: No joining or renewal fees ever.
Highly Secure: Numberless design prevents visual theft of card details.
UPI Integration: Earn rewards on daily UPI QR code scans.

Monthly Capping: Cashback is capped at ₹1,500 per cycle.
Specific Categories: Maximum 3% benefit is restricted to food, commute, and movies.
App Dependency: Requires the app for even basic card number viewing.

ELIGIBILITY CRITERIA •

Age: Between 18 and 70 years. • Residency: Resident of India. • Occupation: Salaried or Self-Employed. • Minimum Annual Income: ₹6,00,000 (as specified on the Fibe partnership details). • Documentation: PAN card/Form 60, Recent photograph, Identity proof, Residence proof, and Income proof (Salary Slip/Form 16/ITR).

Welcome & Activation Benefits

No Fixed Welcome Vouchers: Unlike paid premium cards, this card does not typically offer fixed welcome gift vouchers (such as Amazon or Flipkart vouchers) upon joining.
Introductory “Wednesday Delights”: New cardholders gain immediate access to recurring weekly offers, which include up to 15% off on flights and hotels via MakeMyTrip and 10% off on Swiggy and Tira orders every Wednesday.
Instant Digital Activation: A key activation benefit is the immediate issuance of a virtual card. Users can link this to UPI apps like Google Pay, PhonePe, or BHIM instantly, allowing them to start earning the 3% cashback without waiting for the physical card.
Dining Delights Onboarding: Upon card setup, users are instantly enrolled in the Axis Bank Dining Delights program, providing up to 15% off (up to ₹500) at 10,000+ partner restaurants.
Zero Cost Benefit: Since there is no joining fee (₹0), the card provides immediate “net value” as cardholders do not need to spend any specific amount to recover an initial investment.

CARD REVIEW The Fibe Axis Bank RuPay Credit Card is an exceptional “utility” card for the modern, safety-conscious consumer. Its standout feature is the lifetime free status, which removes any pressure to meet spend milestones to justify an annual fee. For urban dwellers who frequently use services like Swiggy, Zomato, BookMyShow, or Uber, the 3% cashback rate provides tangible monthly savings.

Value for money is high because it includes airport lounge access, a feature rarely found on basic lifetime free cards. However, the card is less ideal for big-ticket spenders due to the ₹1,500 monthly cashback cap and the long list of excluded categories (like insurance and rent). It serves best as a secondary “daily driver” card for UPI scans and online lifestyle spends.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

Fibe Axis Bank RuPay Credit Card