Axis Bank Fibe Numberless Credit card

The Fibe Axis Bank Credit Card is a co-branded RuPay credit card launched by Axis Bank along with Fibe in October 2023. This card is mainly made for young users and tech-friendly customers who do most of their payments through mobile.

Even in 2026, this card is still different from normal credit cards. Because it has 3 Core Identity –

1. Numberless Safety – It follows a numberless card system, where card number, expiry date, and CVV are not printed on the card.
   • All these details are available only inside the Fibe app or the Axis Mobile Banking App, which helps reduce misuse and fraud tension.
2. Lifetime free: This card comes with no joining fee and no yearly charges. Once you take it, there is no renewal tension in future.
3. RuPay network: Since the card runs on RuPay, it works smoothly with UPI Scan & Pay, so customers can pay the same way they already do on using any UPI app, such as Paytm or Google Pay.

The card suits people who already depend on UPI for daily spending, like food orders, travel, and small purchases. Users can continue paying the same way, but now on credit. Since everything is controlled through mobile, it becomes easier to track spending and manage limits. It is one of the most popular UPI Entry-level RuPay Network-based cards by Axis Bank.

Important note:

Even though this is a numberless credit card, it still supports contactless (tap & pay) payments at shops and machines.

As per Reserve Bank of India (RBI) rules, active from 1 January 2021, contactless credit card payments can be done without PIN up to ₹5,000 per transaction.
If the bill amount is more than ₹5,000, then the customer has to use the chip-and-PIN method by inserting or swiping the card and entering the PIN. So overall, the card stays safe and controlled, while still allowing easy tap payments for small daily spends.

A quick Important Distinction for Numberless Cards

Fibe Axis Bank card is called India’s first numberless credit card. Before this, FamCard by FamPay came out in July 2020, but that card was prepaid, mainly for teenagers. So confusion happens here. FamCard was numberless, yes — but not a credit card.

Fibe Axis card is numberless and gives a credit facility. That’s the real difference.

Key Features That Matter for Your Daily Use (Benefits)

1. Cashback Tiers

Fibe Card cashback system is mainly set for daily digital spending. It works best for customers who use the UPI App for regular Online payments like food, travel, and other small spends.

• 3% cashback: Given on selected online spends like food orders from Swiggy and Zomato, movie bookings on BookMyShow, and local travel using Uber or Ola.
• 1% cashback is given on all other normal spends, including UPI payments made using this credit card.

How Cashback Actually Works (Rules)

1. Monthly cap: Even if you spend more, total cashback in one month will not go above ₹1,500.
2. Minimum spend: Any single transaction below ₹100 will not earn cashback.
3. Rounding rule: Cashback is rounded down for each transaction. For example, ₹11.55 cashback will be counted as ₹11.
4. Credit timing: Cashback is usually credited within 2–3 days after your statement is generated.

Where Cashback Is Not Given (No rewards section)

• Bills and government payments: School or college fees, insurance premiums, and government services do not qualify.
• High-value categories: Fuel, rent payments, wallet loading, and gold or jewellery purchases are excluded.
• Small UPI payments: UPI transactions below ₹2,000, especially at small local QR codes, often do not get cashback.
• Other cases: EMI transactions and cash withdrawals do not earn cashback.

2. Airport Lounge Access

You get 4 free domestic lounge visits in a year, limited to 1 visit per quarter. Access is given as per the Axis Bank Domestic Airport Lounge Program PDF and works only at eligible lounges. Simple benefit for regular Indian travellers.

Note: This benefit may require ₹50,000 spending in the previous quarter, as per current Axis Bank rules, which can change from time to time.

3. Fuel Surcharge Waiver

• You get 1% fuel surcharge waiver on fuel payments between ₹400 and ₹5,000 per transaction, with a maximum benefit of ₹400 per month.
• In some cases, instead of 1% + GST, a fixed charge of ₹10 + GST may be applied as per fuel station rules, not by the bank.

4. Other Benefits

• Wednesday Delight: Every Wednesday, cardholders get mid-week offers like up to 15% instant savings on flights and hotels via MakeMyTrip, 10% off on Swiggy, and 10% off up to ₹1,000 on Tira.
• Dining Benefit: You also get 15% off up to ₹500 on dining bills at partner restaurants when you pay through the EazyDiner app, under the Axis Bank Dining Delights program.
• EMI Convert option and Fibe App manage based system.

What are the Eligibility rules and Documents required?

Who Can Apply for This Card

• Age should be between 18 and 70 years.
• Applicant must be an Indian resident or an NRI.

What Documents Are Needed

• PAN card copy or Form 60
• Income proof, like the latest salary slip, Form 16, or ITR
• Address proof, such as a driving licence, electricity bill, or landline bill

How Card Approval Usually Works

• The bank first checks your credit score and old payment history.
• If you already use any credit card and pay bills on time, approval is easier.
• Fibe app users usually get a higher eligibility chance, as Fibe already has user data.
• In many cases, card-to-card approval is given without asking for new income proof.

Easy Way If You Already Have an Axis Card

• If you already have an Axis Bank credit card, open the Axis Mobile App.
• Go to Menu – Tap on Apply → Credit Cards.
• Many users will see this card as pre-approved, so the process becomes fast.

Quick tip: Before applying, you can check your eligibility using the Easemoney credit score checker shown above.

Fees & Charges (Simple Explanation)

This is a Lifetime Free (LTF) credit card, so no joining fee and no yearly fee. But like all credit cards, some charges apply if the card is not used properly. If you pay bills on time and avoid wrong usage, most charges will not come.

Table 1: Basic Fees (Mostly Free – No Tension)

Description	Charges
Joining Fee	Nil
Annual Fee	Nil
Card Replacement Fee	Nil
Duplicate Statement Fee	Waived
Charge Slip / Copy Request	Waived
Outstation Cheque Fee	Waived
Mobile Alerts	Free
Balance Enquiry Charges	Waived
Cash Payment at the Branch	₹175 per payment

Table 2: Charges You Must Be Careful About

Description	Charges
Finance Charges (Interest)	3.75% per month (55.55% yearly)
Cash Withdrawal Fee	2.5% or Min ₹500
Late Payment Fee	₹0 to ₹1,200 (based on due amount)
Extra Penalty (if MAD not paid for 2 months)	₹100
Over Limit Penalty	2.5% of over-limit amount (Min ₹500)
Cheque Bounce / Auto-Debit Fail	2% of amount (Min ₹500)
Fuel Transaction Fee	1% if fuel spend ≥ ₹50,000/month
Rent Transaction Fee	1% per rent payment
Utility Transaction Fee	1% if utility spend ≥ ₹25,000/month
Education Payment Fee	1% per transaction (via apps)
Wallet Load Fee	1% if wallet load ≥ ₹10,000/month
Online Skill Gaming Fee	1% if spend ≥ ₹10,000/month
Foreign Currency Markup	3.5%
Dynamic Currency Conversion	1.5% + taxes
Railway Ticket Surcharge	As per IRCTC rules

Use it like a debit card, not to borrow money. Spend small, pay full every month, skip cash and rent, watch limits, and check the app once a week.

Comparison: Fibe Axis vs Other Popular Cards

In 2026, the Fibe Axis Bank Credit Card has strong competition from other RuPay and entry-level cashback cards. Many cards give higher cashback in selected areas.
Still, Fibe Axis card has two solid advantages — numberless security and a lifetime free status.

Point	Fibe Axis Card	Tata Neu Plus	Airtel Axis Card	Kiwi Axis Card
Card Network	RuPay (UPI works)	RuPay (UPI works)	Visa / Mastercard	RuPay (UPI works)
Joining / Yearly Fee	₹0 forever (LTF)	₹499 (waived if you spend)	₹500 every year	₹0 (app-based card)
Best Cashback	3% on food, travel, daily use	2% only on Tata brands	High cashback only on Airtel bills	2% mainly on UPI scan
Normal Cashback	1% on other spends	1%	1%	Up to 1%
Airport Lounge	4 times in a year	4 times in a year	4 times in a year	Mostly not given
Best For	Safe, daily use, no fee	Tata users only	Airtel mobile & DTH users	Heavy UPI users
Main Plus Point	Numberless + no fees	Tata ecosystem	Utility bill savings	UPI reward focused

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