Credit Card Compare

Fibe Axis Bank Credit Card

Data last updated 25 October 2026
45.00%
Purchase rate
₹0
Annual fee
50 days
Interest-free

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Application

CardIQ

54Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge36
  • Cashback100
  • Lifetime free64
  • Rewards25
  • Travel47

Customer reviews

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Pros & cons

What's good

  • No annual fee.
  • Complimentary airport lounge access (4 visits a year).
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • Nil joining fee and Nil annual fee (lifetime free card). No waiver condition needed. GST/taxes are extra and billed separately as per applicable rates.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
RuPay
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Resident of India or Non-Resident Indian
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
2% of remaining balance outstanding plus all instalments, fees, interest/finance charges, taxes, and over-limit amount (minimum INR 100)

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Cashback cap
₹1,500 per month
Ongoing cashback
3% on eligible spend

3% on food delivery, entertainment & local commute; 1% on all other spends. Capping of Rs. 1500/- per statement cycle. Excludes wallet load, fuel, cash withdrawal, gold/jewellery, gift cards, EMI, rental, insurance, education, govt services, CC on UPI transactions less than Rs.2000, and others.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 91 cards)
Interest-free days50 daysTop 10% (8th of 73 cards)
Purchase rate45.00%Top 25% (21st of 91 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Airport loungeCashbackLifetime freeView all →

Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Axis Bank