Fibe Axis Bank RuPay Credit Card: Features & Apply

Summary

The Fibe Axis Bank RuPay Credit Card is a modern and simple-to-use credit card launched by Fibe (earlier EarlySalary) in partnership with Axis Bank, and it operates on the RuPay network. The Credit card is specially designed for young professionals, students, and online consumers who want a smart way of spending and saving.

One of the largest advantages is that it does not charge any joining fees, so you can apply without incurring any expense. It also accepts UPI payments, so you can connect the card to popular payment apps like PhonePe, Google Pay, or BHIM and pay hassle-free by scanning QR codes.

This credit card offers you a maximum of 3% cashback on payments such as ordering food online, taxi fares, and shopping. On all your other expenses, you receive a cashback of 1%. It also provides you with airport lounge access at no cost, a waiver of 1% fuel surcharge, and great discounts on dining, entertainment, and shopping.

Introduction

In today’s day and age, having a credit card is no longer a privilege; it is a strategy to utilize your money better. It may be buying something off the internet, tickets, or monthly bills for which a credit card gives you the power to pay now and later. Yet, no two credit cards are the same. Some have certain advantages, such as bonuses, cash return, rebates, and other incentives. One such newly launched and debated card is the Fibe Axis Bank RuPay Credit Card.

This credit card is a special tie-up between Fibe (previously EarlySalary) and Axis Bank, and it runs on the RuPay network—India’s indigenous card payment network. This card is designed for today’s professionals, students, and digitally savvy users seeking a blend of intelligent spending and saving. With this card, not only do customers get the benefit of a normal credit card, but also benefits like UPI payments, zero joining fees, cashback on every transaction, and rewards that contribute to the difference in day-to-day life.

One of the most sought-after features of the Fibe Axis Bank RuPay Credit Card is that it levies zero joining fees. Yes, you heard that correctly—no charges when you pick up the card. In addition to that, the card also supports RuPay UPI payments, and you can link it with your UPI applications like PhonePe, Google Pay, BHIM, and use your credit card to scan and pay wherever UPI is supported. This gives you the convenience of UPI and the advantages of a credit card, all combined.

The card is loaded with rewards and cashback benefits. For example, you can earn up to 3% cashback on everyday spending categories like food ordering, ride-sharing, and online shopping. On other spends, you earn 1% cashback. This means whether you order your favorite food online or use a cab, you are always earning something.

What is the Fibe Axis Bank RuPay Credit Card?

Fibe Axis Bank RuPay Credit Card is a smart and futuristic credit card, introduced by Fibe (earlier known as EarlySalary) in partnership with Axis Bank, on the RuPay platform. It is specifically made for youth, salaried individuals, and students to settle their daily bills, apart from earning reward points and cashbacks.

One of the most amazing aspects of this card is that there is no joining fee, which means you will not be charged anything to join. It also allows UPI payments, so you can link it with apps such as PhonePe, Google Pay, or BHIM and make payments using your credit card like a debit card through UPI.

How is the design of the Fibe Axis Bank RuPay Credit Card?

The Fibe Axis Bank RuPay Credit Card has a contemporary and slender look that is trendy yet simple. It has a fresh and clean look that would appeal to young and fashion-conscious customers. The card is slim in color with a simple design and displays the Fibe and Axis Bank logos and the RuPay logo. It also has a contactless icon, so you can just tap the card on machines to pay fast—no inserting or swiping necessary.

Overall, the appearance is sleek and gives off a professional but youthful feel, making it perfect for students, first-time card members, and working adults who want something smart and sophisticated in their pocket.

What are the benefits of the Fibe Axis Bank RuPay Credit Card?

The following are the major benefits of the Fibe Axis RuPay Credit Card explained in easy language:

1. No Joining Fee

You won’t have to pay anything to join this credit card. Joining is free, and that’s why it’s a great option for beginners.

2. UPI Payment with Credit Card

You can connect this card to UPI apps like PhonePe, Google Pay, and BHIM. Here is where you scan and pay via UPI but the money will be debited from your credit card and not your bank account. So very handy!

3. Cashback on Spend

You receive up to 3% cashback on categories like:

• Online food ordering (e.g. Zomato, Swiggy)

• Cab rides (e.g., Ola, Uber)

• Online shopping (like Flipkart, Myntra)

• On all other spending, you get 1% cashback as well, which saves money on each purchase.

4. Free Airport Lounge Access

You receive 1 complimentary lounge visit for every quarter (every 3 months) in select Indian airports. A courteous gesture for the passengers!

5. Fuel Surcharge Waiver

You receive a 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹5,000. This saves on the price of filling up with fuel.

6. Attractive Offers & Discounts

You get personalized offers and discounts on shopping, dining, cinema, and more with both Axis Bank and RuPay’s partner offers.

7. Contactless Payments

Tap your card on the payment terminal and you’re done. It’s fast, secure, and safe—no need to swipe your PIN for low-value transactions.

What are the fees for the Fibe Axis Bank RuPay Credit Card?

Here is a simple breakup of the Fibe Axis RuPay Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.6% per month (52.86% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Fibe Axis Bank RuPay Credit Card?

The following are the primary requirements:

1. To apply for the Fibe Axis Bank RuPay Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score, usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get an Fibe Axis Bank RuPay Credit Card?

The documents that you will have to submit to get a Fibe Axis RuPay Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Fibe Axis Bank RuPay Credit Card be used?

Here is the list of places where you can use it:

• With the Fibe Axis Bank RuPay Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Fibe Axis Bank RuPay Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Fibe Axis Bank RuPay Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Fibe Axis Bank RuPay Credit Card?

The credit amount you can spend is what you are provided with a Fibe Axis Bank RuPay Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an Fibe Axis Bank RuPay Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Axis Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Fibe Axis RuPay Credit Card.

• Just hover your cursor on the Fibe Axis Bank RuPay Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Axis Bank branch to apply for the Fibe RuPay Credit Card.

• Request for the credit card application form of the Fibe Axis Bank RuPay Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Fibe Axis Bank RuPay Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, or mobile app or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an Fibe Axis Bank RuPay Credit Card in 2025 be right?

Yes, getting a Fibe Axis RuPay Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Fibe Axis Bank RuPay Credit Card is a smart and innovative money device which perfectly fits the new generation. As a working person, student, or newbie in credit card, this card provides you with the maximum in convenience, saving, and style. It’s unique in the form that it doesn’t have any membership fee, accepts payments through UPI, and offers cashback on your regular purchases.

This card makes spending easy and rewards you. Whether you order food online, book taxis, or shop on trendy apps, every spend of yours rewards you with cashback. Apart from this, the card also provides other privileges like free airport lounge access, fuel surcharge waiver, and privilege offers on dining, shopping, and movies. These benefits make it more than a regular credit card. It’s just like a whole package of benefits and convenience in your hand.

Yet another great advantage of this card is the RuPay UPI option. You can link your card to UPI apps like PhonePe, Google Pay, or BHIM and make payments straight from your credit card. It’s a highly useful option in modern digital India, given the way UPI has integrated into day-to-day life. Using it, you don’t need to carry money or swipe the card, either. Just scan and pay through UPI and enjoy all the benefits of a credit card at the same time.

Frequently Asked Questions (FAQ’s)