Fibe Axis Bank Credit Card - Features, Benefits, Fees & Charges

Fibe Axis Bank Credit Card (3.8)

Co-Branded Best For: Cashback
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Axis Bank has launched a first-of-its-kind co-branded card - the Fibe Axis Bank Credit Card, designed to keep your safety and privacy as a top priority. It is a lifetime free credit card where you earn 3% cashback on your food deliveries and entertainment and 1% on all other spending. Plus, you get access to 4 free airport lounges and a 15% discount on your dining bills via Axis Dining Delights. It comes with a bunch of other exciting features that you won't want to miss out on. Keep reading!

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Cashback Benefit
  • Up to 3% cashback on food deliveries, entertainment and local commute
  • 1% cashback on all other spending
Lounge Access

4 free domestic lounge access per calendar year
To view the list of lounges, click here.

Fuel Surcharge

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000

Note: Maximum waiver of ₹4,000 per month. 

Dining Benefit

15% off via Axis Dining Delights at 10,000+ partner restaurants across India

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

Nil

Annual Fee

Nil

Annual Percentage Rate

52.86%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

NA

Card Replacement Fee

Free

Foreign Transaction Fee

3.5%

Over Limit Penalty

2.5%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25
Late Payment Charges

Balance from ₹0 to ₹500

Nil

Balance from ₹501 to ₹5,000

₹500

Balance from ₹5,001 to ₹10,000

₹750

Balance more than ₹10,001

₹1,200
Pros

Aspects that make this credit card amazing.

  1. Zero joining and an annual fee.
  2. Link your card to any UPI app for contactless and convenient payments.
  3. Access to free airport lounge access.
  4. Added security as there are no printed details like card number or CVV.
Cons

Aspects this credit card lacks.

  1. It does not offer any welcome benefit.
  2. Lower cashback rate compared to other lifetime free credit cards.
  3. The 3% cashback is only applicable to specific categories.
Fibe Axis Bank Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(4)

Rewards

(3.5)

Customer Service

(3.5)

Fibe Axis Bank Credit Card Review

The Fibe Axis Bank Credit Card offers a good value proposition with lifetime free charges, decent cashback, and additional perks like lounge access and UPI integration. However, the lower cashback compared to other credit cards, category limitations, and foreign transaction fees might be drawbacks for some users. Consider your spending habits, travel frequency, and desired rewards before deciding if this card is right for you. 

You can choose alternative options like:

Overview

Joining and Annual Fee

Lifetime Free Credit Card

Best For

3% cashback on food deliveries, entertainment and local commute

Cashback Rate

1% to 3%

Welcome Bonus

NA

Who should choose the Fibe Axis Bank Credit Card?

You should opt for a Fibe Axis Bank Credit Card if:

  • You are looking for a lifetime free credit card
  • You spend regularly on entertainment, dining, food delivery and local commute
  • You use UPI frequently 

How to apply for the Fibe Axis Bank Credit Card?

Applying for a Fibe Axis Bank Credit Card is a straightforward process, and you have two convenient options:

1. Through the Fibe App:

  1. Eligibility Check: Before diving into the application, consider checking your eligibility on the Fibe website or app. This helps ensure you meet the basic requirements like minimum income and age.
  2. Download and Access: Ensure you have the Fibe app downloaded and your account set up. Log in to the app and navigate to the credit card section.
  3. Start the Application: Locate the Fibe Axis Bank Credit Card and click on ‘Apply’. Follow the on-screen instructions carefully, providing accurate details for each section.
  4. Documents: Keep scanned copies of the required documents ready, including PAN card/Form 60, address proof, ID proof, recent photograph, and income proof (salary slip/Form 16/IT returns). Upload them as requested during the application process.
  5. Submit and Review: Once you've filled out all the details and uploaded documents, review your application thoroughly before submitting it.
  6. Track Progress: You can track your application status within the Fibe app itself. You'll receive updates via email and SMS as well.

2. Through Axis Bank Website:

  1. Navigate to Credit Cards: Head to the Axis Bank website and navigate to the 'Credit Cards' section.
  2. Find Fibe Card: Locate the Fibe Axis Bank Credit Card and click on' Apply Now'.
  3. Enter Details and Documents: Similar to the Fibe app, fill out the application form with accurate information and upload the necessary documents.
  4. Submit and Track: Submit the application and track its progress through the Axis Bank website or mobile app. You'll receive updates on your application status via email and SMS.

Fibe Axis Bank Credit Card Eligibility

Age: 18 to 70 years
Resident: Indian
Income: Applicants must have a stable source of income to be eligible for this card.

 

Documents Required for Axis Bank Rewards Credit Card

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
Axis Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

Axis Bank

Axis Bank Credit Card Customer Care Number:

1860 419 5555 / 1860 500 5555.

Axis Bank Card Offers:

View Offers

Total Cards:

1,47,92,226
Axis Bank Credit Card News
31 May 2024, Friday
1. Migration of Citi Credit Cards to Axis Credit Cards- All You Need to Know.

As of 1 March 2023, Axis Bank has acquired all consumer banking services from Citibank, including credit cards. The full migration of Citi customers to Axis Bank is anticipated to be completed by 9 June 2024. Existing Citi cards will be substituted with new credit cards from Axis Bank. Below is a list of some of the rebranded cards:

  1. Citi Rewards will become the Axis Rewards Credit Card.

  2. IndianOil Citi Card will become the IndianOil Premium Axis Bank Credit Card.

  3. Citi PremierMiles will become the Axis Bank Horizon Credit Card.

Features of New Axis Bank Credit Cards

1. Axis Rewards Credit Card:

  • Joining/Annual Fee: Rs. 1,000 + GST
  • Welcome Benefits: 5,000 EDGE REWARDS on Rs 1,000+ spend within the first 30 days.
  • Earn up to 20 EDGE Reward Points for every Rs 125 spent.
  • 2 complimentary domestic lounge access.

2. IndianOil Premium Axis Bank Credit Card:

  • Joining/Annual Fee: Rs 1,000 + GST
  • Welcome Benefits: 500 EDGE Miles on the first transaction within 30 days.
  • Earn EDGE Miles for fuel, groceries, and other spends, redeemable at IOCL petrol pumps.
  • Quarterly complimentary domestic lounge access, Zomato discounts, and a fuel surcharge waiver.

3. Axis Bank Horizon Credit Card:

  • Joining/Annual Fee: Rs 3,000 + GST
  • Welcome Benefits: 5,000 EDGE Miles on Rs 1,000+ spent within the first 30 days.
  • Earn EDGE Miles for travel and other categories.
  • International and domestic lounge access, fuel surcharge waiver, EazyDiner discounts.

Post Migration

  • Existing rewards/miles will be converted to Axis Bank EDGE Rewards and/or EDGE Miles with unchanged monetary value.
  • Card number, CVV, annual fees, credit limit, and other details will remain the same.
  • Mandates and saved card information on merchant sites will not change.
  • EMIs and other obligations will be seamlessly transferred to the new Axis card.
13 Mar 2024, Wednesday
2. Axis Bank suspends reward redemptions for credit cards used for Business Spends

Axis Bank has suspended reward redemptions for some credit cardholders and is requesting invoices to verify travel spending. The bank believes that some cardholders are misusing reward points by using their cards for business expenses, which is against the terms of the cardholder agreement. Axis Bank says that this is a routine exercise to monitor suspicious spending, but some genuine cardholders have also been flagged. Experts recommend using separate business credit cards to avoid such problems.

29 Nov 2023, Wednesday
3. Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January, 2024.

Axis Bank has announced a significant devaluation of its Vistara credit cards, effective from 3 January 2024. The main changes include:

  • No points for government and utility spending: Cardholders will no longer earn any Vistara Points on transactions made towards government dues, utility bills, and insurance premiums. These were previously high-yielding categories that contributed significantly to point accumulation.
  • Loss of monthly milestone benefit: The monthly milestone benefit of 25,000 Vistara Points will also be discontinued. This was a valuable benefit for cardholders who consistently spent a certain amount each month.
10 Oct 2023, Tuesday
4. Axis Bank and Fibe have partnered to launch India's first numberless credit card.

Axis Bank, has teamed up with Fibe (formerly EarlySalary) to introduce the country's first-ever numberless credit card tailored for the tech-savvy Generation Z demographic.

This innovative credit card offers heightened security by eliminating the conventional card number, expiry date, and CVV code typically printed on physical cards. This forward-thinking design is expected to reduce the risk of identity theft or unauthorized access to cardholders' information, ensuring the utmost in security and privacy. The card will be accessible to Fibe's extensive customer base, which exceeds 2.1 million individuals.

13 May 2023, Saturday
5. Axis Bank links Rupay credit cards with UPI.

Axis Bank has enabled linkage of RuPay Credit Cards with Unified Payments Interface (UPI). This means that Axis Bank customers can now use their RuPay Credit Cards to make payments through UPI. UPI is a real-time payment system developed by National Payments Corporation of India (NPCI). It allows users to make instant payments to any bank account in India with just a few taps on their phone.

11 Apr 2023, Tuesday
6. Axis Bank Credit Cards adds six new transfer partners to EDGE Rewards

Taking the number up to 19, Axis bank added 6 new transfer partners to its existing list. These include hotel networks Accor ALL & Wyndham Rewards, Star Alliance’s Air Canada’s Aeroplan & Thai Airways Royal Orchid Plus as well as Oneworld Alliance’s Japan Airlines JAL Mileage Bank & Qantas Frequent Flyer.

These 19 transfer partners are cumulatively a part of Axis bank’s reward program known as the EDGE Rewards.

Fibe Axis Bank Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

You can earn up to 3% cashback on all your spends, including food delivery, entertainment, and other categories. Additionally, you get welcome bonus CV points and the possibility of earning premium economy air tickets based on annual spending.
 

 It's India's first numberless credit card issued in partnership with Axis Bank, offering up to 3% cashback with no annual/joining fees.

You can apply online through the Fibe website or Axis Bank website, or visit a branch.

Generally, you need to be an Indian resident with a regular source of income and a good credit score. Specific eligibility criteria might vary depending on your profile.

No, the card boasts a lifetime free feature, meaning no joining or annual fees.
 

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