Axis Bank
Fibe Axis Bank RuPay Credit Card
Annual Fee
Lifetime FreeBase Reward
3% cashback
Foreign Markup
3.5% of the Transaction Amount
Product Highlights
- Lifetime free credit card
- Numberless credit card for added security
- UPI enabled for seamless transactions
Category Rewards
entertainment
3% Cashback
3%
Specialty
1% Cashback on all other spends
1%
Reward Calculator
Earns ₹3,000/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
₹3K
direct cashback
₹3K
via direct credit
Effective rate
1.00%
Annual fee
FREE
Year 1 net
+₹3,000
Year 2+ net
+₹3,000
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 3% cashback on entertainment, food delivery, and commute. Enjoy 15% off up to ₹500 at over 1000 restaurants with the Axis Bank Dining Delights Program.
Redemption
Direct Cashback
Benefits & Features
Domestic: 4 complimentary domestic lounge access every year. (One access each quarter.) Full lounge access description not provided.
Pros & Cons
Pros
- Make seamless UPI transactions with this credit card.
- Enjoy 3% cashback on entertainment, commute, and food delivery.
Cons
- No welcome benefits are provided with this card.
- This card offers an introductory cashback on a few categories.
Additional Info
Maximum cashback amount = ₹1500 in a statement cycle.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks