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Fibe Axis Bank Credit Card VS Fibe Axis Bank RuPay Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 31 July 2026
Fibe Axis Bank Credit Card
Fibe Axis Bank Credit Card
Fibe Axis Bank RuPay Credit Card
Fibe Axis Bank RuPay Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees3.5% on foreign currency transactions; 1.5% + taxes on DCC.
Foreign Transaction Fees3.5% of the Transaction Amount
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash advances.
Interest Rate (APR)3.6% Per Month (52.86% Yearly)

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate3% cashback on food delivery, entertainment, and local commute. 1% cashback on all other spends.
Rewards RateUp to 3% cashback on entertainment, food delivery & commute; 1% on other spends.
Reward TypeCashback
Reward TypeCashback
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access4 complimentary domestic lounge visits to select airport lounges per calendar year.
Domestic Lounge Access1 complimentary domestic lounge access every quarter, totaling 4 per year.
International Lounge Access
International Lounge Access
Travel Benefits4 complimentary domestic lounge visits annually and up to 15% off flights & hotels via MakeMyTrip.
Travel Benefits4 complimentary domestic lounge accesses annually and 3% cashback on commute transactions.
Movie BenefitsUp to 3% cashback on entertainment spends.
Movie BenefitsEnjoy up to 3% cashback on entertainment spends.
Dining BenefitsUp to 3% cashback on food delivery, plus exclusive dining offers and 10% off Swiggy orders.
Dining BenefitsReceive a 15% discount up to Rs. 500 on over 1000 restaurants with Axis Bank Dining Delights.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for spends ₹400-₹5000, capped at ₹400/month; ₹10+GST on certain transactions.
Fuel Surcharge Waiver1% waiver on transactions between Rs. 400-5,000, max waiver Rs. 400 per cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of cash amount (Min ₹500).
Cash Advance Charges2.5% of transaction amount or a minimum of Rs. 500.
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Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Fibe Axis Bank Credit Card

Fibe Axis Bank RuPay Credit Card

Who is it for?

The Fibe Axis Bank Credit Card is a lifetime free RuPay credit card designed for everyday convenience and travel perks. It offers up to 3% cashback on categories like food delivery and entertainment, along with seamless UPI integration for easy payments. Cardholders also enjoy 4 complimentary domestic airport lounge visits annually and exclusive dining offers. This card is ideal for existing Fibe customers seeking a rewarding and hassle-free credit experience.

Who is it for?

The Fibe Axis Bank RuPay Credit Card is India's first numberless credit card, co-branded by Fibe and Axis Bank, offering enhanced security and UPI payment capabilities. This lifetime free card provides up to 3% cashback on entertainment, food delivery, and commute, along with 1% on other eligible spends. Cardholders also enjoy 4 complimentary domestic lounge accesses annually and a 15% discount on dining. It's an excellent choice for first-time credit card users or those seeking a secure, feature-rich, UPI-enabled card.

Pros

Key benefits and features.

Lifetime free with no joining or annual fees, offering great value.

Earn up to 3% cashback on daily spends like food delivery and entertainment.

Seamless UPI integration allows for quick and convenient scan & pay transactions.

Enjoy 4 complimentary domestic airport lounge visits every year.

Access exclusive dining deals and discounts on travel, food, and shopping.

Pros

Key benefits and features.

Seamless UPI transactions are possible by linking the Fibe Axis Bank card to UPI applications.

Enjoy 3% cashback on entertainment, commute, and food delivery spends with this card.

It is a lifetime free credit card with zero joining, annual, or renewal fees.

Offers 4 complimentary domestic lounge accesses per year, enhancing travel benefits.

The numberless design of the Fibe Axis Bank Credit Card provides enhanced security.

Cons

Key drawbacks and limitations.

High foreign currency markup of 3.5% makes international spends expensive.

Cash advance charges are high at 2.5% (minimum ₹500) for withdrawals.

Only available to existing Fibe customers, limiting broader accessibility.

Fuel surcharge waiver is capped at ₹400 per month, with a 1% fee on high spends.

Various transaction fees apply for rent, utility, education, and wallet loads.

Cons

Key drawbacks and limitations.

The Fibe Axis Bank RuPay Credit Card does not offer any welcome benefits upon joining.

Cashback is not applicable on several categories like fuel, rent, and wallet reloads.

The card offers introductory cashback on a few categories, which might be perceived as limited.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Fibe Axis Bank Credit Card(opens in new tab)Apply for Fibe Axis Bank RuPay Credit Card(opens in new tab)