Axis Bank
Fibe Axis Bank Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate1% base, up to 3% on streaming subscriptions
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹400 a month
01Fibe Axis Bank Credit Card Rewards and Benefits
02Fibe Axis Bank Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on streaming subscriptions, earning 3%₹150
- ₹15,000 on everything else, earning 1%₹150
- Back each month, ₹3,600 a year₹300
- In your pocket each year₹3,600
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Dining only at Online food delivery: 3% back, up to ₹1,500 a month
- Travel only at Local commute and cabs: 3% back, up to ₹1,500 a month
- Anyone who wants no annual fee, ever
- Flyers: 4 airport lounge visits a year
Skip it if…
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you rarely spend on Online food delivery, Local commute and cabs or streaming subscriptions: the 3% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How Fibe Axis Bank Credit Card earns Rewards
1% base, up to 3% on streaming subscriptions.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | Anywhere else in the category |
| Dining and food delivery, only at listed merchants | 3% | ₹1,500, shared with other bonus rates | Only at: Online food delivery (Swiggy, Zomato)Terms: 3% on online food delivery, shares the ₹1,500/cycle cap with entertainment and local commute |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 3% | ₹1,500, shared with other bonus rates | Only at: Local commute and cabsTerms: 3% on local commute / cabs, shares the ₹1,500/cycle cap |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Streaming subscriptions | 3% | ₹1,500, shared with other bonus rates | All merchants in the categoryTerms: 3% on entertainment spends, shares the ₹1,500/cycle cap |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback on all other spends. Credit-card-on-UPI transactions under ₹2,000, and CC-on-UPI to small merchants, earn nothing; no transaction under ₹100 earns at all.
05Fibe Axis Bank Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. airport lounge access.
- Airport lounge access: Up to 4 complimentary domestic airport lounge visits a year (max 1 per quarter), requires ₹50,000 of eligible spend in the previous 3 calendar months, waived only for the month the card is issued and the 3 calendar months after it
06Fibe Axis Bank Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
07Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 20 Jun 2025 | Changed: Reward-exclusion method switched from MCC to spend categorySource: Axis Bank | MCC-based | spend-category-based |
| 20 Dec 2024 | Reduced: Spend surcharges introduced across the Axis portfolioSource: Axis Bank | No surcharge on utility, wallet, fuel or gaming spends; 1% rent surcharge capped ₹1,500/txn | 1% on cumulative utility spends of ₹25,000+ per statement cycle; 1% on wallet loads of ₹10,000+; 1% on fuel of ₹50,000+; 1% on online skill-based gaming of ₹10,000+; 1% per rental transaction, uncapped; 1% on education payments via third-party apps |
See this card's change history → · All card changes in August 2026 →
08Cards Similar to Fibe Axis Bank Credit Card
Fibe Axis Bank Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Fibe Axis Bank Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Annual fee | Lifetime free | ₹999 + GST | ₹499 + GST |
| Rewards | 1% base, up to 3% on streaming subscriptions | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Dining | Dining | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the Fibe Axis Bank Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Fibe Axis Bank Credit Card?
The annual fee is Free.
Does the Fibe Axis Bank Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
