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.
To be eligible for the Fibe Axis Bank Credit Card, you need to meet the following criteria:
To complete your Fibe Axis Bank Credit Card application, you will need to provide specific documents. Here's a breakdown of the necessary documents:
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:
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| 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. |
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| 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:
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:
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:
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:
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.
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.
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.
No, this credit card has zero joining and annual fees, making it a cost-effective choice.
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.
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.
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.
The program is available until 31 August 2025, as per the information provided on the official website of Axis Bank.
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