Fibe Axis Bank RuPay Credit Card

The Fibe Axis Bank RuPay Credit Card is a thoughtfully designed co-branded product created for modern urban millennials, young tech professionals, and college graduates who spend consistently on lifestyle apps. Its hero benefit is a flat 3% cashback on everyday high-frequency categories: online food ordering (Swiggy, Zomato), restaurant dining, and ride-hailing services (Ola, Uber). Unlike reward point systems that require catalogue browsing or conversion calculations, cashback earned on the Fibe card is credited directly to the primary card statement in the subsequent billing cycle, providing zero-friction statement relief. All other eligible online and offline retail transactions earn a solid 1% base cashback. Because the card is powered by the RuPay network, cardholders can link it directly to any UPI application (Google Pay, PhonePe, Paytm, BHIM) to make scan-and-pay transactions at merchant QR codes using their credit limit. Unusually generous for an entry-level fintech card, it also includes 1 complimentary domestic airport lounge visit per calendar quarter (4 per year, subject to spending ₹50,000 in the preceding 3 calendar months). The card has zero joining fee, and the low ₹499 annual renewal fee is easily waived upon spending ₹50,000 in a year. Key limitations include monthly cashback caps on accelerated categories, spend exclusions on fuel, rent, wallet loads, and utilities, and the requirement of meeting the ₹50,000 spend hurdle to access airport lounges. Who should consider it: Young professionals who frequently order food on Swiggy/Zomato and take Uber/Ola cabs and want an effortless 3% statement return with RuPay UPI integration. Who should look elsewhere: Heavy spenders seeking high-end luxury air miles or those whose primary expenditure is utility bill payments.

Additional Cardholder Privileges

Mandatory Verification Documents