Fibe review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Fibe pairs a credit card with Up to 3% cashback and an annual fee of INR 0, which suits people who spend on their card each month and want money back without a yearly charge. It sits at 1 of 301 brands ranked on annual fee.
Key facts
- Best for
- Everyday spending with cash back and no annual charge.
- Annual fee
- ₹0 (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- Up to 3% cashback (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- fibe.in
Pros and cons
Pros
- Annual fee of INR 0 on a credit card, so nothing is owed for holding it.
- Cash back of Up to 3% cashback with cashback as the reward type, paid on your spending.
- Ranks 1 of 301 brands on annual fee, level with Varo and Chime at no yearly charge.
Cons
- Rewards are Up to 3% cashback, so the headline rate is a ceiling rather than a flat return on every purchase.
- Fibe is a credit card, so you carry a balance to repay rather than spending straight from your money.
Who it suits
- People who spend on their card most months and want cash back without a yearly charge.
- Anyone who wants a fee-free credit card, since the median annual fee across the site is €0.
- People already shopping in the cashback ranking, where 100% of the cards listed pay cash back.
Who should look elsewhere
- Varo Believe Secured Credit Card, if you would rather hold a secured card than Fibe's credit card.
- Chime Card (Secured Visa Credit Card), if you want a secured card in the Visa format instead.
- Bitpanda, if cash back is not your priority, though its annual fee is €0 as well.
How Fibe compares
Its annual fee is €0 as well, so Fibe's pull is Up to 3% cashback on a credit card.
Where Fibe is available
- Available
- India
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much is the annual fee on Fibe?+
Fibe charges an annual fee of INR 0, so there is no yearly cost to holding the card. The median annual fee across the site is €0, which keeps Fibe in the cheapest group, and it ranks 1 of 301 brands on this measure.
How much cash back does Fibe pay?+
Fibe pays Up to 3% cashback on your spending, and the reward type is cashback. Cash back goes straight towards the balance rather than sitting as points or miles, and because the rate is a ceiling, your own return depends on what you spend.
Is Fibe a credit card or a debit card?+
Fibe is a credit card rather than a debit card, so you repay what you spend instead of drawing straight from your balance. Debit cards make up 74.3% of the cards listed and prepaid cards 20.4%, so a credit card suits you only if you clear balances.
What kind of rewards does Fibe offer?+
The listed feature for Fibe is rewards, and its reward type is cashback, so you earn cash back rather than points or miles. The card runs on a no annual fee model, which is how an annual fee of INR 0 sits alongside the reward.
How does Fibe compare with other fee-free cards?+
Varo Believe Secured Credit Card and Chime Card (Secured Visa Credit Card) also list an annual fee of $0 and $0, so the yearly cost is level. Fibe's draw is Up to 3% cashback on a credit card rather than a secured balance.
Who does the Fibe card suit?+
Fibe suits people who spend on their card regularly and want a reward without a yearly charge, since its cost score is 6.4 and the annual fee is INR 0. It also sits in the cashback ranking, where 100% of the cards listed pay cash back.
Where does Fibe sit on cost against the rest of the market?+
Across the site the median annual fee is €0 and the highest is €167.70, so a card with no annual fee sits at the common end of the market. Fibe's fee of INR 0 is there already, and its cost score is 6.4.
Sources
- fibe.in/credit-card/fibe-axis-bank-credit-card checked September 26, 2026
Backs: Annual fee, Card kind, Features, Pricing model, Rewards rate, Rewards type
“offering up to 3% cashback with no annual/joining fee - Fibe Axis Bank Credit Card”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR, Currency conversion fee.