Fibe Axis Bank Credit Card

The Fibe Axis Bank Credit Card distinguishes itself as India's innovative ‘numberless’ credit card, with a primary focus on bolstering security for its users. By eliminating the conventional embossed card number from its design, this card significantly mitigates the risks associated with certain types of fraud, establishing it as a reliable option for financial transactions. Adding to its appeal, the card offers an enticing cashback feature, enabling cardholders to earn rewards of up to 3% on a variety of expenses, including those related to food delivery and entertainment.

However, what truly sets this credit card apart is its fee structure, as it prides itself on being completely devoid of annual or joining fees, effectively designating it as a ‘lifetime free’ credit card. This means that users can enjoy its advantages without the burden of recurring charges. Furthermore, the card seamlessly integrates with UPI (Unified Payments Interface), ensuring a streamlined experience for digital transactions.

Features of Fibe Axis Bank Credit Card

  1. Numberless Card: The Fibe Axis Bank Credit Card boasts a unique numberless design, enhancing your card's security by making it difficult for unauthorized individuals to access your card information.
  2. Zero Joining and Annual Fees: This credit card comes with a distinct advantage - no joining or annual fees. You can own and use this card without incurring any extra costs, making it a cost-effective choice.
  3. Cashback Rewards: One of the standout features of this credit card is the cashback rewards. You can earn up to 3% cashback on various spending categories: 3% cashback on food delivery, entertainment, and local commute and 1% cashback on all other spends.
  4. RuPay Card with UPI Compatibility: The Fibe Axis Bank Credit Card is a RuPay card, allowing you to seamlessly connect it to UPI platforms. This integration makes it incredibly convenient to make transactions and payments through UPI.
Apply fibe axis bank credit card online

Benefits of Fibe Axis Bank Credit Card

  1. Enhanced Security: The absence of a visible card number adds a robust layer of security, reducing the risk of card fraud and unauthorized transactions. Your financial data is better protected.
  2. Cost Savings: With no joining or annual fees, you can enjoy all the features and benefits of this card without the burden of extra expenses. It is an excellent way to save money while enjoying the perks of a credit card.
  3. Cashback on Everyday Spending: The cashback rewards offer you a financial incentive to use the card for your everyday expenses, such as food delivery, entertainment, and more. You can earn back a portion of what you spend.
  4. UPI Compatibility for Seamless Transactions: The card can be linked with UPI, ensuring that you have a hassle-free experience when making transactions and payments using UPI services.
  5. Airport Lounge Access: Cardholders can enjoy the luxury of 4 complimentary domestic lounge visits at select airport lounges every calendar year. This is a valuable benefit for those who travel frequently.
  1. Fuel Surcharge Waiver: You will receive a 1% fuel surcharge waiver for fuel spends between Rs.400 and Rs.5000, with a maximum waiver of up to Rs.400 per month, providing savings on fuel expenses.

Eligibility Criteria for Fibe Axis Bank Credit Card

To be eligible for the Fibe Axis Bank Credit Card, you need to meet the following criteria:

  1. Age Requirement: The primary cardholder should fall within the age range of 18 to 70 years. This age range ensures that the applicant is within the suitable age bracket for credit card issuance. 
  2. Residency: Applicants must be residents of India. This means that the Fibe Axis Bank Credit Card is primarily available to individuals who are residing in India.

Documents Required for Fibe Axis Bank Credit Card Application 

To complete your Fibe Axis Bank Credit Card application, you will need to provide specific documents. Here's a breakdown of the necessary documents: 

  • PAN Card or Form 60: You will need to submit a photocopy of your Permanent Account Number (PAN) card. In the absence of a PAN card, Form 60 may be accepted as an alternative. 
  • Proof of Residence (Choose One): You should provide proof of your residential address, and you can select one of the following as acceptable documents: Passport, Driving License, Voter ID Card, and Aadhaar Card.  
  • Proof of Identity (Choose One): To establish your identity, you can choose one of the following documents: Aadhaar Card, PAN card, Driving License, Passport, and Voter ID Card.  
  • Colour Photograph: A recent colour photograph of the applicant is required to complete the application process.  
  • Proof of Income (Select One): Latest Payslip or Form 16 or IT Return Copy

Fibe Axis Bank Credit Card Charges

No Charges or Free

Charges Waived 

Charges with Specific Amounts

Joining Fee

Duplicate Statement Fee

Cash Payment Fee: Rs. 100/-

Annual Fee

Charge Slip Retrieval Fee or Copy Request Fee

The Cash Withdrawal Fee equated to 2.5% of the cash amount, with a minimum charge of Rs.500.

Card Replacement Fee

Outstation Cheque Fee

The Cheque Return, Dishonor Fee, or Auto-Debit Reversal fee amounted to 2% of the payment amount, with a minimum charge of Rs.450 and a maximum cap of Rs.1,500.

Balance Enquiry Charges

Foreign Currency Transaction Fee

Starting from 5 March 2023, there was a Dynamic Currency Conversion Markup of 1% applied to international transactions conducted in Indian currency at international locations or transactions carried out in Indian currency with merchants situated in India.

Mobile Alerts for Transactions

Over Limit Penalty

The finance charges for retail purchases and cash transactions were calculated at a rate of 3.6% per month or 52.86% per annum

Reward Redemption Fee

 

Overdue Penalty or Late Payment Fees:

  1. Nil if the total payment Due is up to Rs.500
  2. Rs.500 if the total payment due is between Rs.501 - Rs.5000
  3. Rs.750 if the total payment due is between Rs.5,001 - Rs.10,000
  4. Rs.1200 if the total payment due is Rs.10,001 and above

 

 

As of 5 March 2023, there was a rent transaction fee of 1%, with a maximum cap of Rs.1,500 per transaction for rental transactions.

 

 

Additional charges for the purchase or cancellation of railway tickets are determined according to the guidelines set by IRCTC/Indian Railways.

You can link your Fibe Axis Bank Credit Card on UPI by following these easy steps:

Step 1: Link Your Fibe Axis Bank Credit Card to a UPI Application

To kick-start this journey, download a UPI application like BHIM or Paytm. Once you've installed the app, ensure you complete your registration by verifying your mobile number. After successful registration, you can link your Fibe Axis Bank Credit Card by following these steps:

  1. Click on the ‘Link RuPay Credit Card’ button.
  2. Choose your Credit Card Issuer Bank.
  3. Select your Fibe Axis Bank Credit Card for linking.
  4. Generate your unique UPI PIN for added security.

Step 2: Seamlessly Transact with the Scan & Pay Feature

Now that your card is linked, it's time to enjoy seamless transactions using the Scan & Pay feature. Simply follow these steps:

  1. Scan the Merchant QR Code or manually enter the Merchant UPI ID.
  2. Input the transaction amount or let the app fetch it automatically.
  3. Select your Fibe Axis Bank Credit Card for payment.
  4. Enter your UPI PIN and confirm the transaction.
  1. Stay informed with on-screen payment confirmation.

Step 3: Effortless Credit Card Bill Payments

Managing your credit card bill payments has never been easier. Here's how you can make payments through UPI:

  1. Open your preferred UPI app.
  2. Choose the ‘Pay to UPI Id’ option.
  1. Enter the UPI Id.
  2. Confirm the Cardholder's name.
  3. Input the payment amount and your UPI PIN to complete the payment.

Step 4: Take Control with the Axis Mobile App

For added control and convenience, use the Axis Mobile App to manage your Fibe Axis Bank Credit Card:

  1. Visit the Credit Cards section.
  2. Select your Fibe Axis Bank Credit Card.
  3. Enter the activation code found in your physical welcome letter.
  4. Customize your card control settings through the Card Control Settings page.

FAQs on Fibe Axis Bank Credit Card

  • How can you link your Fibe Axis Bank Credit Card to UPI?

    You can link your card to UPI by downloading a UPI application, choosing your Credit Card Issuer Bank, selecting your Fibe Axis Bank Credit Card, and generating a unique UPI PIN for added security.

  • How can you make credit card bill payments through UPI with the Fibe Axis Bank Credit Card?

    You can open your preferred UPI app, choose the 'Pay to UPI Id' option, enter the UPI Id as provided, confirm the Cardholder's name, input the payment amount, and use your UPI PIN to complete the payment.

  • What is the unique feature of the Fibe Axis Bank Credit Card that enhances its security?

    The Fibe Axis Bank Credit Card has a unique numberless design that enhances security by making it difficult for unauthorized individuals to access card information.

  • Are there any joining or annual fees associated with the Fibe Axis Bank Credit Card?

    No, this credit card has zero joining and annual fees, making it a cost-effective choice.

  • What are the cashback rewards offered by the Fibe Axis Bank Credit Card?

    Cardholders can earn up to 3% cashback on various spending categories, including 3% cashback on food delivery, entertainment, and local commute, and 1% cashback on all other spends.

  • What is the credit limit offered on the Fibe Axis Bank Credit Card?

    The credit limit on the Fibe Axis Bank Credit Card varies based on your creditworthiness and financial profile. It is determined by the bank during the application process.

  • What is the process for reporting a lost or stolen Fibe Axis Bank Credit Card, and are there any liability protections in case of unauthorized transactions?

    In case of a lost or stolen card, you should immediately report it to Axis Bank's customer service. Liability for unauthorized transactions is generally protected as long as you report the loss promptly.

  • How long is this lounge access program available for Fibe Axis Bank Credit Cardholders?

    The program is available until 31 August 2025, as per the information provided on the official website of Axis Bank.

Disclaimer
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.