M16S / Axis Bank / Fibe Axis Bank Credit Card
entry · cashback, cobrand, lifetime-free, upi
Fibe Axis Bank Credit Card
The Fibe Axis Bank Credit Card charges no annual fee and no joining fee. Its base return is 1% (1% cashback on all other spends). Accelerated earn: 3% cashback on food delivery, entertainment and local commute. The forex markup is 3.5%. Lounge visits in India: 4 per calendar year at select domestic airport lounges. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free: zero joining and annual fee (issuer page and MITC) |
Rewards
| Welcome benefit | None |
|---|---|
| Reward currency | Cashback |
| Base earn | 1% cashback on all other spends |
| Base return | 1% |
| Point value | Cashback credited to statement |
| Accelerated earn | 3% cashback on food delivery, entertainment and local commute |
| Capsunverified | Rs 1,500 cashback per statement cycle; minimum transaction Rs 100 |
| Spends that earn nothingunverified | Cash, wallet, fuel, gift cards, EMI, rent, insurance, government |
| Points expiry | Not applicable |
| Reward notes | base_return_pct = 1% base cashback. |
Travel and perks
| Domestic lounge | 4 per calendar year at select domestic airport lounges |
|---|---|
| International lounge | None |
| Lounge conditions | Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 400-4,000 fuel transactions, cap Rs 400 per statement cycle (MITC); issuer page shows Rs 400-5,000 |
| Other freebies | Dining Delights; Wednesday offers; credit card on UPI |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70; resident of India or NRI |
| Fine-print notes | Numberless card. Aggregator quotes 3.6% monthly interest; MITC says 3.75%. Product page read 2026-10-12 confirms lifetime-free status, RuPay/UPI linking, cashback rates, 3.5% forex and DCC. The page does not state the monthly cashback cap, minimum transaction or the exclusion list (linked T&C not read). Conflicts resolved from issuer page read 2026-10-12: lounge_domestic: old '1 per quarter' -> issuer page '4 complimentary domestic lounge visits per calendar year' | interest: aggregator quoted 3.6% a month -> issuer page and MITC say 3.75% (55.55% a year) |
Questions
- What is the annual fee of the Fibe Axis Bank Credit Card?
- No annual fee.
- Does the Fibe Axis Bank Credit Card give airport lounge access?
- Yes. In India: 4 per calendar year at select domestic airport lounges. Outside India: none listed. Conditions: Needs Rs 50,000 eligible spend in previous 3 calendar months (from 1 May 2024); waived in issuance month + next 3 months; guests paid
- What is the forex markup on the Fibe Axis Bank Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Fibe Axis Bank Credit Card?
- Cash, wallet, fuel, gift cards, EMI, rent, insurance, government