An annual earning scenario is available below. Redemption conditions and benefits outside that scenario still need confirmation.
Fibe Axis Bank Credit Card
Review Fibe Axis Bank Credit Card fees, features, annual savings, missed-payment cost and alternatives using your own spending. The calculation shows both the rewards you may gain and repayment costs that can erase those gains.
Calculation coverage & fees
Complete card facts
Calculation coverage
Annual earning evidence & conditions
Annual scenario review · 2026-09-16
Annual earning model available
Base cashback is 1%, with 3% on confirmed eligible food delivery in this model, minimum INR 100 transactions and INR 1500 statement cap. UPI merchant-size eligibility needs the purchase checker; invitation/account eligibility remains personal.
The annual calculator uses repeated eligible domestic spending and standard renewal fees. It shows the documented cash route, a clearly labelled reference estimate, or points with your selected redemption quote. Vistara projections stop at the programme closure date. This review does not certify every benefit, offer or account condition.
See this card’s annual resultRedemption evidence & open checks
Research coverage
What has been checked for this card?
We keep issuer research separate from the calculator so an unresolved cap, exclusion or redemption route can never become an invented rupee saving.
Features & benefits
What this card can offer
These features come from the issuer information used for this card's automatic calculation profile. Check the calculation notes for restrictions and unresolved rules. Reward value may be limited to vouchers or travel rather than cash.
3% selected lifestyle cashback
Eligible food delivery, entertainment and local-commute purchases earn 3% cashback; other eligible spend earns 1%, subject to the ₹1,500 statement-cycle cap.
1% on other eligible spending
Other eligible retail and UPI purchases earn 1% cashback.
₹1,500 monthly cashback cap
Total cashback is capped at ₹1,500 per statement cycle.
4 domestic lounge visits
Select domestic lounges are available up to four visits per calendar year, subject to the issuer’s participating-airport terms.
₹400 monthly fuel-surcharge waiver
Fuel transactions between ₹400 and ₹5,000 can receive 1% surcharge relief, capped at ₹400 per month; GST on surcharge is not refundable.
No joining or annual fee
The card is lifetime free for eligible Fibe customers.
Your money
See savings, fees and the cost of paying late
Annual value comparison
Use your real monthly spending. The same inputs are compared across available monetary models; profiles with unresolved rules are withheld.
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What Fibe Axis Bank Credit Card is designed to offer
Fibe Axis Bank Credit Card appears in the Accurate Paisa directory under Cashback. This classification helps compare cards designed for similar spending, but your real return depends on eligible merchants, caps, exclusions, redemption and whether you pay an annual fee.
Cashback
Direct cashback is easiest to value, but eligible merchants, monthly caps and exclusions decide the amount you actually keep.
Transparent rules
How Accurate Paisa calculates its value
Your monthly spending is annualised, then the recorded reward rates, caps and milestone rules are applied. Eligible fee waivers are checked before the annual fee and GST are subtracted. The outcome is a rupee estimate and effective return, not a promise of earnings.
- ✓The automatic annual model uses the issuer-documented 1% base cashback floor; the 3% rate requires eligible food-delivery, entertainment or local-commute MCCs and remains available only in the named purchase scenario. Cashback is rounded down to whole rupees per transaction and requires at least ₹100. Source limits are recorded in axis-fibe-benefits.json.
- ✓UPI payments below ₹2,000 and small-merchant UPI payments are excluded. Aggregate UPI is not assumed eligible.
- ✓The ₹18,000 annual ceiling represents twelve ₹1,500 statement-cycle caps, not a single-purchase limit. Terms: https://www.axis.bank.in/docs/default-source/default-document-library/terms-and-conditions-cashback-on-fibe-axis-bank-credit-card.pdf
- ✓Fuel, wallet, jewellery, gift cards, EMI, rent, insurance, government and education are excluded.
Do not spend more just to reach a reward or fee waiver. Credit-card finance charges can be several times larger than ordinary reward rates, so paying the full statement balance by the due date is the most important assumption behind a positive card-value estimate.
Questions & answers
Frequently asked questions
What type of card is Fibe Axis Bank Credit Card? +
It is listed by Axis Bank under Cashback. Approval and the application route remain subject to the issuer's current rules.
How is the annual value of Fibe Axis Bank Credit Card calculated? +
Where a supported estimate is available, Accurate Paisa applies the recorded reward conversion, caps, fees and assumptions to your annual spending. Redemption restrictions can reduce the value you realise.
How is net card value calculated? +
Net annual value equals usable rewards plus eligible milestone value, minus the annual fee with GST and modelled transaction and redemption charges.
What happens if I miss a payment? +
Interest may apply to the unpaid balance, a late fee and GST may be charged, and the interest-free period can be lost. Use the estimator below with your statement figures.
Does the highest saving always mean the best card? +
No. Approval, acceptance, support, redemption, foreign-exchange charges and your ability to repay the full statement balance also matter.
Cardholder voice
Value, support and owner experience
No moderated cardholder rating is published yet. Accurate Paisa keeps its mathematical value score separate until enough real reviews are available.
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