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Fibe Axis Bank RuPay Credit Card
A distinctively numberless, lifetime-free RuPay card from lending app Fibe, with a genuinely useful 3% rate on food delivery, entertainment and local commute plus a small quarterly lounge perk, though a long list of category exclusions caps its real-world reach. It suits urban, app-first spenders whose spending naturally concentrates in food delivery, entertainment bookings and cab/metro commute rather than large-ticket categories like fuel, rent or EMIs, all of which sit outside the cashback program entirely. With no joining or annual fee and a genuinely elevated card design, it's a low-cost way to add a RuPay UPI-capable card to your wallet.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Movie & dining: Up to 3% cashback on food delivery and entertainment bookings, capped at ₹1,500/month
- Rewards rate: 1% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits a year (one per quarter), no minimum-spend condition
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate (capped ₹1,500/monthly) · Up to 3% cashback on food delivery, entertainment and local commute, capped at ₹1,500 back per category per month — a solid rate for app-based urban spending like Swiggy, Zomato, BookMyShow and metro/cab rides
- ✈️ Travel
3% reward rate (capped ₹1,500/monthly) · 4 complimentary domestic lounge visits a year (one per quarter), with no minimum spend condition attached to unlock them, unlike many entry-level co-brand cards
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions between ₹400–₹5,000, capped at ₹400 back per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: Cashback is credited automatically as statement credit; no redemption fee
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹400 per statement cycle
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- 4 complimentary domestic lounge visits a year (one per quarter), with no minimum spend condition attached to unlock them, unlike many entry-level co-brand cards
- 1% fuel surcharge waiver on fuel transactions between ₹400–₹5,000, capped at ₹400 back per statement cycle
- Up to 3% cashback on food delivery, entertainment and local commute, capped at ₹1,500 back per category per month — a solid rate for app-based urban spending like Swiggy, Zomato, BookMyShow and metro/cab rides
Pros
- + Numberless design is a real security plus
- + 3% cashback on everyday categories like food delivery and commute
- + 4 lounge visits a year on a zero-fee card
- + No spend threshold gating the quarterly lounge visits, unlike many free-tier cards
- + Works as a RuPay UPI credit card, useful for everyday Scan & Pay transactions
Cons
- − Cashback excludes fuel, rent, insurance, government payments, EMIs and gift cards
- − ₹1,500-per-cycle cashback cap limits heavy spenders
- − 1% base rate on excluded/other spend is unremarkable
- − Sourced only to existing Fibe customers