All cards / SBM Bank India (Fibe)
Fibe RuPay Credit Card
RuPay
Fibe RuPay Credit Card
Fibe (formerly EarlySalary) extended its short-term lending app into a no-fee RuPay credit card issued via SBM Bank India, targeting the same young, salaried, first-time-borrower audience it built its personal-loan business on. It's a simple entry card rather than a rewards showcase — the appeal is fast approval for thin-file borrowers already inside the Fibe ecosystem.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
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 650+ whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Benefits by category
- 🛍️ Shopping
2% reward rate
Eligibility
- Minimum credit score: 650
- Employment: salaried, self-employed
- Age: 21–55
Benefits
- Cashback credited via the Fibe app, alongside Fibe's existing personal-loan/EarlySalary product line
- RuPay credit-on-UPI enabled for scan-and-pay spending
Pros
- + No joining or annual fees
- + RuPay credit-on-UPI support for everyday scan-and-pay
- + Fast, largely automated approval for existing Fibe app users
Cons
- − Reward rates are basic and unremarkable
- − No travel, lounge or lifestyle benefits
- − Best suited to thin-file/first-time credit users rather than anyone seeking a primary rewards card
Best for