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Axis Bank
Lifetime free with 3% on all online spends and sixteen lounge visits a year
One-time
Zero renewal fee
Capped at ₹1,500/billing cycle
Score 700+
Applying takes you to Axis Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from Axis Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromOnline shopping
Pays up to ₹1,500 a billing cycle — reached at about ₹50,000 of spend
Food delivery
Shares the card's ₹1,500 a month ceiling
Everything else
Shares the card's ₹1,500 a month ceiling
These rates share one ceiling: ₹1,500 a month across the card, not per category.
Wallet loads, fuel, cash withdrawals, gold and jewellery, gift cards and EMI transactions earn no cashback. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Online shopping — All online transactions, capped at Rs. 1,500 a billing cycle. No cashback on transactions under Rs. 100., up to ₹1,500 per billing cycle.
Biggest limitation
Wallet loads, fuel, cash withdrawals, gold and jewellery, gift cards and EMI transactions earn no cashback.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3%
cappedOnline shopping
Pays up to ₹1,500 per billing cycle — reached at about ₹50,000 of spend.
All online transactions, capped at Rs. 1,500 a billing cycle. No cashback on transactions under Rs. 100.
3%
uncappedFood delivery
Online food delivery, entertainment and local cabs.
1%
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | Nil | — |
| Annual / renewal fee | Lifetime free | The card carries no annual fee, so there is no waiver to earn. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, as published in Axis Bank's MITC | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
No fee, ever
the rewards simply continue
No fuel surcharge waiver is published for this card.
1% on UPI spends. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Axis BankAxis Bank Atlas Credit Card₹5,900Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177IDFC FIRST Mayura Credit CardIDFC BANKIDFC FIRST Mayura Credit Card₹7,079Indian Overseas Bank ZET FD Credit CardIndian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime freeRBL Bank SalarySe UP Credit CardRBL BankRBL Bank SalarySe UP Credit Card₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Fibe Axis Bank Credit Card · this card | Lifetime free | 3% online shopping | Included |
| Google Pay Flex Axis Bank Credit Card | Lifetime free | Up to 0.2% rewards | No |
| Axis Bank Atlas Credit Card | ₹5,900 | Up to 5 miles per ₹100 | Included |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| IDFC FIRST Mayura Credit Card | ₹7,079 | Up to 10 reward points per ₹150 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
It is a lifetime-free card — there is no annual fee.
The strongest published rate is 3% on online shopping, capped at ₹1,500 per billing cycle — so roughly ₹50,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
Wallet loads, fuel, cash withdrawals, gold and jewellery, gift cards and EMI transactions earn no cashback. Wallet loads, fuel, cash withdrawals, gold and jewellery, gift cards and EMI transactions earn no cashback. Wallet loads, fuel, cash withdrawals, gold and jewellery, gift cards and EMI transactions earn no cashback.
Credited to the cardholder's account three days after statement generation
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
3% on all online transactions, capped at Rs. 1,500 a billing cycle, with a flat 3% on online food delivery, entertainment and local cabs, and 1% on everything else. On a card with no fee at all, 3% online is among the highest uncapped-category rates in this catalogue until the cycle cap is reached.
Wallet loads, fuel spends, cash withdrawals, purchases of gold and all jewellery, gift cards and EMI transactions. There is also no cashback on any transaction below Rs. 100, which matters on a RuPay card: a lot of small UPI payments will fall under that floor.
Four complimentary domestic airport lounge visits a quarter — sixteen a year. That is more than a good many cards in this catalogue charging between Rs. 500 and Rs. 3,000 a year, and this card charges nothing at all.
The physical card carries no printed card number, expiry or CVV — those live in the app. Nobody can read your card details off the card itself, which removes a real everyday risk. The trade-off is minor: where a merchant or a call centre asks for the number verbally you have to open the app to read it.
Yes. It is a RuPay card, and RuPay is the only network whose credit cards can be linked to a UPI app. Note the Rs. 100 floor on cashback though — small QR payments will go through on the card but earn nothing, so the UPI linkage is more about convenience here than earning.
The exclusion list and the interest rate. Fuel and wallet loads earning nothing removes two common categories, and the Rs. 100 floor quietly removes a lot of small transactions. Axis publishes the finance charge as 3.75% a month, which it states as 55.55% a year — the highest stated annual rate in this catalogue — so it is a card to pay in full every month.
3% cashback on all online transactions, a flat 3% on food delivery, entertainment and local cabs, 1% on everything else, and sixteen domestic airport lounge visits a year — four every quarter. The card has no joining fee and no annual fee at all.
Set that against the paid cards in this catalogue. Several charging between Rs. 500 and Rs. 3,000 a year give fewer lounge visits and a lower online rate. The Rs. 1,500 cycle cap on the 3% is the limit, reached at about Rs. 50,000 of online spending a month, which is a high ceiling for a free card.
The first is the usual list, though longer than most: wallet loads, fuel, cash withdrawals, gold and all jewellery, gift cards and EMI transactions earn no cashback at all. Fuel and wallet loads are common household spends, so a chunk of ordinary use earns nothing.
The second is quieter and easier to miss. There is no cashback on any transaction under Rs. 100. On a RuPay card that can be linked to UPI — where a great many payments are a Rs. 40 chai or a Rs. 80 autorickshaw — that floor removes a lot of transactions from earning. The UPI linkage is still useful for convenience; it is just not where this card earns.
Axis and Fibe market this as India's first numberless credit card, and the description is literal: there is no card number, expiry date or CVV printed on the plastic. Those details live in the app.
The benefit is real and everyday — nobody can read your card details off the card while it is out of your hands at a restaurant or a fuel pump. The cost is small: when a merchant or a call centre asks for the number verbally, you open the app to read it. On balance it is a security improvement rather than a gimmick.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Fibe Axis Bank Credit Card — 3% on online shopping, up to ₹1,500 per billing cycle. No annual fee.