The newly launched Fibe Credit Card is a co-branded offering from Fibe and Axis Bank that combines convenience, rewards, and modern payment flexibility. Designed for everyday use, this numberless RuPay credit card brings several features that make transactions simpler and more rewarding compared with many traditional credit cards.
One notable advantage is the ability to link the Fibe RuPay credit card with third-party UPI applications. This enables quick, secure online and in-store payments using UPI IDs or QR codes while retaining the benefits of a credit card. The card also offers attractive rewards and value-added services, making it an appealing alternative to standard credit cards.
Fibe Axis Bank Credit Card vs Traditional Credit Card
Below are the key differences to consider when choosing between the Fibe Axis Bank Credit Card and a typical traditional credit card:
| Particulars | Fibe Axis Bank Credit Card | Traditional Credit Card |
|---|---|---|
| Offers and Rewards | Up to 3% cashback on transactions, monthly 1% fuel surcharge waiver up to ₹400, and complimentary domestic airport lounge visits | Rewards vary widely by issuer and product; not all cards provide consistent cashback, fuel waivers, or lounge access |
| Fees and Charges | No joining fee and no annual fee | Many traditional cards charge joining and annual fees; fee structures differ by card tier |
| UPI Linkage | As a RuPay card, it can be linked with UPI apps for quick and secure payments | Most traditional cards (Visa, Mastercard) cannot be linked to UPI unless they are RuPay-issued |
How to Link the Fibe Axis Bank Credit Card with UPI
In June 2022, the Reserve Bank of India enabled RuPay credit cards to be linked with UPI applications. Follow these steps to link your Fibe Axis Bank Credit Card to a UPI app:
- Step 1: Download and open your preferred UPI application on your smartphone, then select the ‘Add/Link Credit Card’ option.
- Step 2: Choose the issuing bank—Axis Bank in this case.
- Step 3: Select the Fibe Axis Bank Credit Card from the list of available cards to link.
- Step 4: Confirm the selection to complete the linking process.
After linking, you must generate a UPI PIN (4- or 6-digit) to authorize payments. The PIN setup typically follows these steps:
- Step 1: In the UPI app, choose ‘Generate PIN’ for the linked card.
- Step 2: Select the Fibe Axis Bank Credit Card as the card to generate the PIN for.
- Step 3: Enter the required card details, usually the last six digits of the card and the expiry date.
- Step 4: Submit the OTP sent to your registered mobile number and then set your 4- or 6-digit UPI PIN.
How to Pay with the Fibe Axis Bank Credit Card via UPI
Once linked and PIN-enabled, paying with your Fibe Axis Bank Credit Card through UPI is straightforward. Use these steps to complete a payment:
- Step 1: Enter the merchant’s UPI ID or scan the merchant’s QR code.
- Step 2: Enter the payment amount or confirm the amount auto-populated by the merchant.
- Step 3: Select the Fibe Axis Bank Credit Card as your payment method.
- Step 4: Enter your UPI PIN to authorize and complete the transaction.
Using UPI with a RuPay credit card offers the convenience of instant digital payments while allowing you to earn credit card rewards and maintain credit card protections for eligible transactions.
Why Choose the Fibe Axis Bank Credit Card
The Fibe Axis Bank Credit Card is tailored for users seeking a low-cost, reward-oriented credit option with modern payment compatibility. Key advantages include:
- Consistent cashback (up to 3%) on everyday purchases
- Complimentary domestic airport lounge visits to enhance travel comfort
- Monthly fuel surcharge waiver of up to 1% (capped at ₹400)
- Dining discounts with partner restaurants and other merchant offers
- Ability to link the card with third-party UPI apps for quick digital payments
- No joining or annual fees, lowering the cost of ownership
If these benefits align with your needs, you can apply through the Fibe app or the issuer’s registration process to add the card to your digital wallet quickly.
FAQs on Fibe Axis Bank Credit Card vs Traditional Credit Card
How much cashback can I earn using the Fibe Axis Bank Credit Card?
The Fibe Credit Card offers cashback of up to 3% on eligible transactions. Actual cashback on specific spends may depend on merchant categories and the card’s terms and conditions.
What are the major benefits of the Fibe Axis Bank Credit Card?
Major benefits include up to 3% cashback, complimentary domestic lounge visits, a monthly fuel surcharge waiver, dining discounts with partner restaurants, UPI payment capability, and no joining or annual fees.
Can I link the Fibe Axis Bank Credit Card with third-party UPI applications?
Yes. Because the Fibe Credit Card is issued on the RuPay network, it can be linked with third-party UPI applications that support RuPay credit cards, allowing you to pay via UPI while earning card benefits.