India’s First

You can just like you would use any other cards. To access your card details, visit Fibe App’s credit card section. For offline transactions, you can simply swipe or tap your card to make a purchase.. 

1. You can receive 3% cashback (up to Rs 1500 per cycle), on all online transactions (except for few ineligible categories), as follows
   1. Flat 3% on food delivery, entertainment, and local cabs
   2. Flat 1% for other transactions

If you’re eligible, you can go to Fibe App’s credit card section and start your application. Share the required details, to complete the application..

It is India’s first numberless credit card issued in partnership with Axis Bank, offering up to 3% cashback with no annual/joining fee.

Currently, the card is only available for select Fibe customers. You can check if you are eligible for it on the Fibe app.

Go to Fibe App’s credit card section and click on the ‘Activate Card’ button. Follow the steps thereafter to activate your card.

As soon as it is activated, you can make online purchases with it, by accessing the card details on Fibe app’s credit card section. You don’t have to wait for your physical card to arrive.

It will be shipped on the day of issuance and will reach your mailing address within 7-10 days.

You can activate your physical card within 2 minutes. Just visit the Fibe app’s credit card section & click on activate physical card. Follow the steps as mentioned over there to activate your card.

Yes, if you do not activate it within 30 days from the date of issuance.

Yes, except for the transactions of the following categories:
Insurance, fuel, jewelry, gift card purchase, wallet load, EMI transactions, purchases converted to EMI post facto, cash advances, repayments, reversals/refunds, rent, education, & government services.
Also, any transaction below ₹100 and any UPI transaction below ₹2,000 will not be eligible for cashback.

The cashback received will be reverted in the next statement.

Your credit card bill date will be somewhere between 12th to 15th of every month, if you have not changed it before.

It is the minimum amount you need to pay in order to maintain a good credit history. For our card, it is 5% of your bill amount plus all the due EMIs.

Late payment charges will be levied if you do not pay the minimum amount due, by the due date. The late payment charges would be as follows:

If the total amount due is not paid by the due date, daily interest will be charged on the pending amount with 3.6% per month.

No, there are no taxes levied on your bill. However, GST will be applicable on the charges levied, namely late payment charges, interest and EMI conversion charges (only in case any transaction is converted to EMI).

The entire bill amount cannot be converted into EMIs. However, you can convert the individual transactions into EMIs, as per the eligibility criteria. If a transaction is eligible for conversion to EMIs, the same will be visible in the transaction summary screen of the Fibe app’s credit card section.

Transaction amounts that are above ₹ 2,500 are eligible for EMI conversion.

1. ROI: 18%
   Processing Fee: 2% of the transaction amount, min Rs 250, maximum Rs 1500

The due date for a bill will be 15 days from the date of bill generation.

i. UPI:
Steps to pay via UPI:
a. Begin a UPI payment from any UPI app
b. Enter your Axis Bank Credit Card Bill payment UPI ID*
c. Verify name and enter bill amount
d. Complete transaction using UPI PIN
(Your Axis Bank Credit Card BIll Payment UPI ID is: CC.91@axisbank
Example: CC.9199875042247269@axisbank)

ii. Bank Transfer
With the NEFT facility, you can pay your Credit Card bills online from any other bank account. All you need to do is:
a. Login to the Internet Banking facility of your desired bank account and select its National Electronic Funds Transfer (NEFT) option.
b. Enter the following information correctly while transferring funds to make your Credit Card bill payment using NEFT facility:

iii. Other Methods
Axis Bank recommends cardholders to pay their credit card dues via above specified methods. Any credit card payment made via other channels, including any 3rd party apps non-affiliated with Axis Bank, may have a higher TAT for clearance. Penal charges, as applicable on the card variant, will be applicable if funds are not received by Axis Bank by due date. For any queries arising from delayed/non-reflection of payment on card made via non-affiliated channels, customers may reach out to the respective channels directly.

No, your Fibe loan EMI & the credit card bill need to be paid separately. There is no relation between the repayments of those two.

Yes, you can contact Axis Bank’s customer support team for the same.

Accordingly, your due date will change. Contact axis bank’s customer support team for the same.

If you are eligible for limit increment, you can see the same in the Fibe app’s credit card section in the ‘Limit details’ tab.

i. In any of your UPI apps, go to ‘Add Credit Card/Link Credit Card’.
ii. Select Axis Bank as the card issuer.
iii. Select Fibe Axis Bank Credit Card as the card to be linked and click on confirm.
iv. Proceed to generate the UPI PIN.
v. Enter the last six digits of the credit card & expiry date.
vi. Verify the OTP sent to your registered number.
vii. Set up the PIN of your choice.

Your registered number on the UPI app and of the Fibe Axis Credit Card should be the same.

Currently, Mobikwik, Google Pay, Paytm, PhonePe support the credit card linkage.

No, you have to use the UPI PIN that was set during the linking process.

No, only payments to merchants are allowed.

There are certain transactions customer won’t be able to do using UPI on Fibe Axis Bank Credit Card, such as–P2P (Paying your friends & other contacts), digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances, Mutual Funds and any other categories as restricted by the Axis Bank/RBI.

No, you cannot. It can only be used to make payments.

Transaction limits for Fibe Axis Bank Credit Card on UPI will be as per existing UPI transaction limits, however it will be limited to the available credit limit on your card.

Yes, as per the steps involved in the linkage, by verifying the OTP.

The card number can be found in the credit card section on the Fibe app. You can tap on the card image to see the details

There will be no numbers printed on the physical card. However, your card details, including the card number, can be viewed on the fibe app. These details are super safe and will not be stored on the fibe app. This means added security from card theft or card loss.

Once you receive the physical card, you can go to card controls in the credit card section of the Fibe app to know how to set up your PIN.

Cashback earned on purchases during the current billing cycle will be credited in customer’s account on T+3 days basis, from the statement generation date i.e. if the statement date is 12th March, cashback earned during the period between 12th Feb to 11th March will be credited by 15th of March.