Fibe Axis Bank Credit Card
3% eligible online food, entertainment and local commute; 1% limited base cash; ₹1,500 shared statement-cycle cap, nil card fee
Try your spend →Conditional direct-card cashback floor
One entered eligible direct-card, non-EMI purchase is repeated each statement cycle for twelve cycles. The dedicated Fibe chip requires an online food-delivery, online entertainment or online local-commute purchase classified under a listed eligible MCC: 5499, 5812, 5814, 7841, 7829, 7832, 7922, 4121, 4131, 4111 or 7512. Swiggy and Zomato app purchases receive the 3% estimate only if their transaction classification meets these terms. Merchant names alone do not prove eligibility. Eligible Amazon, Flipkart, Myntra, other shopping and grocery direct-card purchases get a conservative 1% floor, even if a particular transaction might qualify for a higher rate. Transactions below ₹100 earn no cashback. Cashback is rounded down to whole rupees for each individual transaction, then capped at ₹1,500 per statement cycle shared across the 3% and 1% spends, not separate caps. The estimate assumes no other spending consuming the cap, no refunds and no EMI conversions. Splitting the entered amount into several smaller purchases can change cashback; the calculator does not model that. Nil joining and annual fees are confirmed by the current product page and issuer KFS updated 17 September 2026. All UPI is unpriced in this floor; named terms exclude credit-card UPI transactions below ₹2,000 and transactions at small merchants. Wallet loads, fuel, cash withdrawals, gold and jewellery, gift cards, EMI and later EMI conversions, rental payments, repayments, insurance, education, government services and bridge/road/toll charges are excluded. Utilities, travel, rail, portal-specific and membership routes are not priced here. Cashback credits on T+3 days from the statement date; refunds and later reversals adjust subsequent awards and may become outstanding debt. Fuel surcharge relief, lounges, welcome offers and other perks remain unpriced, not absent. Pay in full; interest and other charges can erase returns.
Transaction-floor examples
At ₹99 per eligible purchase, cashback is zero. At ₹100 on the dedicated 3% route, cashback is ₹3 per cycle or ₹36 for twelve cycles. ₹1,155 on that route earns ₹34 per cycle or ₹408 annually; the 1% base floor earns ₹11 per cycle or ₹132 annually. ₹5,000 on the 3% route earns ₹150 per cycle or ₹1,800 annually. ₹50,000 reaches the ₹1,500 shared cycle cap or ₹18,000 for twelve cycles. These are one qualifying transaction each cycle, no other cap-consuming spend, refunds or EMI. This is statement cashback, not a guarantee of merchant classification or payout timing.
Issuer sources
Named Fibe product and RuPay linking flow · Current Fibe cash terms · 17 September 2026 KFS, nil fees
Checked 2 October 2026. Limited direct-card cashback; all UPI and other perks unpriced.