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In short: Axis Fibe has the lower annual fee (none vs ₹99); both charge a 3.5% forex markup.
| Key facts | Axis Fibe | HDFC UPI Biz |
|---|---|---|
| Annual fee | None | ₹99 |
| Joining fee | None | ₹99 |
| Annual fee waived | Not listed | On ₹25,000 annual spend |
| Top reward rate | Enjoy 3% Cashback on Food Delivery | 3% Cashpoints on Dining |
| Base rewards | Enjoy 1% Cashback On All Other Spends | 1% Cashpoints on Other Spends |
| Lounge access | 1 airport lounge visit a quarter | Not listed |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 5 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, the two return about the same (₹3,600 vs ₹3,600 a year after fees).
| Spend profile | Axis Fibe | HDFC UPI Biz |
|---|---|---|
| Reward value: top rate / base rate | 3% / 1% | 3% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹3,600 | ₹3,600 |
| Annual fee | None | ₹99 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Axis Bank Fibe Rupay Credit Card and the HDFC Bank Upi Rupay Biz Credit Card both operate on the Rupay network and offer cashback rewards with a top rate of 3% on select categories. While Axis Bank's card provides complimentary domestic airport lounge access and a fuel surcharge waiver, HDFC Bank's card charges a small joining and renewal fee with a waiver option. Both cards have a forex markup fee of 3.5% on foreign currency transactions.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Fibe Rupay Credit Card | Hdfc Bank Upi Rupay Biz Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | Rupay | Rupay |
| Joining fee | Joining Fee - Nil | Joining Fee of Rs.99 |
| Annual / renewal fee | Annual Fee - Nil | Renewal Fee of Rs.99 |
| Annual fee waiver | — | Spend Rs.25000 For Renewal Fee Waiver |
| Top reward rate | Enjoy 3% Cashback on Food Delivery | 3% Cashpoints on Dining |
| Base rate (other spends) | Enjoy 1% Cashback On All Other Spends | 1% Cashpoints on Other Spends |
| Lounge — domestic | 1 Complimentary Airport Lounge Access Per Quarter | — |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Both cards offer a similar rewards structure with a top cashback rate of 3% and a base rate of 1%. The Axis Bank Fibe Rupay Credit Card provides 3% cashback on food delivery, entertainment, and local commute, whereas the HDFC Bank Upi Rupay Biz Credit Card offers 3% cashpoints on dining, groceries, and PayZapp transactions, along with 2% on utility spends. At Rs.20,000 monthly spend, both cards yield about Rs.3,600 annually in rewards before caps, making them comparable for cashback-focused users.
For travel-related benefits, the Axis Bank Fibe Rupay Credit Card has an edge by offering one complimentary domestic airport lounge access per quarter, which can enhance the travel experience. The HDFC Bank Upi Rupay Biz Credit Card does not list any lounge access in our data. Both cards have the same forex markup of 3.5%, which is standard for foreign currency transactions. Therefore, if lounge access is important, Axis Bank's card is preferable.
The Axis Bank Fibe Rupay Credit Card has no joining or annual fees, making it a cost-effective option for fee-conscious users. In contrast, the HDFC Bank Upi Rupay Biz Credit Card charges a joining and renewal fee of Rs.99 each, but offers a waiver on renewal if you spend Rs.25,000 annually. Depending on your spending pattern, the waiver may or may not apply, so consider your usage when evaluating fees.
The HDFC Bank Upi Rupay Biz Credit Card requires an annual spend of Rs.25,000 to waive the Rs.99 renewal fee, which adds a spending condition to maintain fee-free status. The Axis Bank Fibe Rupay Credit Card does not list an annual fee waiver in our data.
HDFC Bank's card offers multiple redemption options for its cashpoints, including travel airmiles, statement balance adjustments, and product catalog redemptions, providing flexibility for cardholders. Axis Bank's card does not list specific redemption options in our data, so check with the issuer for details.
Consider Axis Bank Fibe Rupay Credit Card if you want a no-fee credit card with consistent cashback on food delivery and entertainment, plus the added benefit of complimentary domestic airport lounge access. It is also suitable if you prefer a card with a fuel surcharge waiver and want to avoid annual fees altogether.
Consider HDFC Bank Upi Rupay Biz Credit Card if you are comfortable paying a small joining and renewal fee that can be waived with sufficient annual spend, and if you want cashback rewards on a wider range of categories including groceries, utilities, and PayZapp transactions. It is also a good choice if you prefer earning cashpoints that can be redeemed flexibly for travel, statement balance, or shopping.
Yes, both the Axis Bank Fibe Rupay Credit Card and the HDFC Bank Upi Rupay Biz Credit Card charge a forex markup fee of 3.5% on foreign currency transactions.
No, the Axis Bank Fibe Rupay Credit Card has no joining or annual fees.
Yes, the Rs.99 renewal fee can be waived if you spend Rs.25,000 in the year.
The Axis Bank Fibe Rupay Credit Card offers one complimentary domestic airport lounge access per quarter. The HDFC Bank Upi Rupay Biz Credit Card does not list lounge access in our data.
Axis Bank Fibe Rupay Credit Card offers 3% cashback on food delivery, entertainment, and local commute. HDFC Bank Upi Rupay Biz Credit Card offers 3% cashpoints on dining, groceries, and PayZapp transactions, plus 2% on utility spends.