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Fibe Axis Bank Credit Card
Axis • Visa

Fibe Axis Bank Credit Card

The card provides cashback across all transactions with accelerated earning on dining, entertainment and commute. Currently offered to Fibe customers only

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge Access1111 domestic • 0 intl
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Fibe Axis Bank Credit Card should be treated as a co-branded digital credit product best used as a secondary card for selective categories.
  • The card's cashback model is most effective when usage stays aligned to its core categories: Lifetime Free, Dining.
  • Current mapping shows 11 lounge entries, so travel utility can materially improve real-world value when eligibility conditions are met.

Best Utilization

  • Use for Fibe/Axis-linked offers and keep core annual spend on your proven high-yield primary card.
  • Review monthly statements and re-route spend once marginal returns weaken outside the intended category lanes.
  • As a lifetime-free card, it works best as a focused specialist in a multi-card portfolio.

Watchouts

  • Co-brand offers can be campaign-driven and less stable than base-category returns.
  • Lounge access can be subject to spend/quarter conditions; verify current issuer terms before relying on access.
  • Reward caps, partner exclusions, or MCC filtering can reduce realized yield versus headline marketing rates.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count11
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows11
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports20
  • Approval reports12

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Flipkart Axis Bank Credit Card

Annual fee: ₹500

Shared focus: Dining+31 more lounge visits in current datasetHigher top earn rate (5.0%)
View Details
Step 2

Airtel Axis Bank

Annual fee: ₹500

Shared focus: DiningHigher top earn rate (25.0%)Estimated +₹6,720/yr value
View Details
Step 3

Axis Ace

Annual fee: ₹499

Shared focus: DiningHigher top earn rate (5.0%)Estimated +₹4,800/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for Fibe Axis Bank Credit Card using your current quarter spend.

₹0 spent₹50,000 target

Policy signal used: - Source file: Axis Bank domestic lounge program PDF (Set A). - Domestic lounge access is linked to card-wise quarterly/yearly limits. - Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Spend threshold

Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Quarter / cycle rule

Domestic lounge access is linked to card-wise quarterly/yearly limits.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

11 airport lounge rows
View lounge map and location list11 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Bengaluru

2 lounges • 2 domestic • 0 international

2
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T2

BLR Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T1

Chennai

2 lounges • 2 domestic • 0 international

2
Travel Club LoungeDomestic

CHE • Chennai Airport • Domestic Departure T4

Travel Club Lounge A/BDomestic

CHE • Chennai Airport • Domestic Departure T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Departure T1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Departure T1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani Lounge*Domestic

MUM • Mumbai Airport • Domestic Departure T2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T2

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T3

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Pre Approved Personal Loans
  • Personal Loan Interest Rates
  • Instant Personal Loan
  • Personal Loan Low CIBIL Score

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About Fibe Axis Bank Credit Card

Fibe Axis Bank Credit Card is a cashback card from Axis, best for travel & lounge access. It is tagged under lifetime free, dining categories in our database.

Lifetime FreeDining

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Frequently asked questions

Is Fibe Axis Bank Credit Card lifetime free?

Fibe Axis Bank Credit Card is lifetime free with no annual fee.

What rewards does Fibe Axis Bank Credit Card offer?

The card provides cashback across all transactions with accelerated earning on dining, entertainment and commute. Currently offered to Fibe customers only

Does Fibe Axis Bank Credit Card include lounge access?

Fibe Axis Bank Credit Card lists 11 lounge visits (11 domestic, 0 international).

Who should consider Fibe Axis Bank Credit Card?

Travel & lounge access

Where can I apply for Fibe Axis Bank Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.