MyFinCards
Axis Bank Freecharge Plus Credit Card

Joining Fee

₹350

Annual Fee

Rs. 350 (Reversed on annual spends of Rs. 0.5 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Cashback
Shopping
Best For: Freecharge app users, Daily commuters, Users seeking cashback on everyday spending

Axis Bank Freecharge Plus Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • 5% cashback on Freecharge spends
  • 2% cashback on local commute
  • Annual fee waiver at ₹50,000 spend
  • Low joining fee of ₹350
  • Nil card replacement fee
  • No late payment fee for dues below ₹500

Cons

  • Invite-only card – not open to all applicants
  • Rent and wallet load transactions excluded from annual fee waiver spends
  • 1% fee on wallet load transactions ≥ ₹10,000 in a statement cycle
  • 1% fee on fuel transactions ≥ ₹50,000 in a statement cycle
  • 1% fee on utility spends ≥ ₹25,000 in a statement cycle
  • Welcome voucher benefit not applicable for cards issued on or after 4th January 2023

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Invite-only model – eligibility visible only on Freecharge Mobile App

Rent and wallet load transactions not counted toward annual fee waiver threshold

Additional ₹100 charge if Minimum Amount Due not paid for two consecutive billing periods

1% fee on education payments via third-party apps

1% fee on online skill-based gaming ≥ ₹10,000 in a statement period

1.5% Dynamic Currency Conversion Markup plus taxes on international transactions in Indian currency

Key Benefits & Features

Wednesday Delight – up to 15% off on flights & hotels via MakeMyTrip, 10% off on Swiggy, 10% off up to ₹1000 on Tira

Eligibility Criteria

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

Rent transactions not eligible for annual fee waiver spend countWallet load transactions not eligible for annual fee waiver spend countFuel transactions incur 1% fee on cumulative spends ≥ ₹50,000 in a statement cycleUtility transactions incur 1% fee on cumulative spends ≥ ₹25,000 in a statement cycleEducation payments via third-party apps incur 1% fee on each transactionOnline skill-based gaming incurs 1% fee on cumulative spends ≥ ₹10,000 in a statement period

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Axis Bank Freecharge Plus Credit Card

The Axis Bank Freecharge Plus Credit Card is designed to deliver cashback rewards on everyday spending, making it an ideal choice for Freecharge app users, daily commuters, and anyone looking to maximize returns on routine transactions. Available exclusively through an invite-only model, eligible customers can access the card directly via the Freecharge Mobile App. At the heart of this card is a tiered cashback structure: cardholders earn 5% cashback on Freecharge spends, 2% cashback on local commute transactions, and 1% cashback on all other purchases. Beyond cashback, the card offers dining benefits through the Axis Bank Dining Delights Program, granting access to exceptional experiences at top restaurants across India. Wednesday Delight offers add further value with instant savings of up to 15% on flights and hotels via MakeMyTrip, 10% off on Swiggy orders, and 10% off up to Rs. 1,000 on Tira. The card carries a joining fee of Rs. 350 and an annual fee of Rs. 350 from the second year onwards, though the annual fee is waived upon spending Rs. 50,000 in the preceding card anniversary year. With a straightforward fee structure and meaningful cashback across multiple spending categories, the Axis Bank Freecharge Plus Credit Card offers solid everyday value for budget-conscious users.

Expert Review

Our Verdict

Best for Freecharge users – 5% cashback on Freecharge spends with annual fee waiver at ₹50K.

Frequently Asked QuestionsAbout Axis Bank Freecharge Plus Credit Card

ELIGIBILITYHow can I apply for the Axis Bank Freecharge Plus Credit Card?
The Axis Bank Freecharge Plus Credit Card is an invite-only card. It is not open to all applicants. If you are eligible, you will see a banner on your Freecharge Mobile App. You can then apply directly through the app. There is no standard public application process, so you must wait for an invite from Axis Bank via the Freecharge platform.
FEESWhat is the joining fee and annual fee for the Axis Bank Freecharge Plus Credit Card?
The joining fee for the Axis Bank Freecharge Plus Credit Card is ₹350. The annual fee for the first year is NIL, and from the second year onwards, it is ₹350 per year. However, the annual fee can be waived off if you spend ₹50,000 or more in the preceding card anniversary year. Note that rent and wallet load transactions do not count toward the annual fee waiver threshold.
FEESHow can I get the annual fee waived on the Freecharge Plus Credit Card?
The annual fee of ₹350 is waived off if you spend ₹50,000 or more in the preceding card anniversary year. However, please note that rent transactions and wallet load transactions are not eligible for spends counted toward availing the annual fee waiver. Make sure your qualifying spends reach the ₹50,000 threshold through other eligible transaction categories to benefit from this waiver.
REWARDSWhat cashback benefits does the Axis Bank Freecharge Plus Credit Card offer?
The Axis Bank Freecharge Plus Credit Card offers tiered cashback on all spends: 5% cashback on Freecharge spending, 2% cashback on local commute transactions, and 1% cashback on all other spending. These cashback benefits make it a rewarding card especially for frequent Freecharge users and daily commuters. Terms and conditions apply, and you can visit the Axis Bank website for detailed cashback terms.
INTERNATIONALWhat is the foreign currency transaction fee on the Freecharge Plus Credit Card?
The Axis Bank Freecharge Plus Credit Card charges a foreign currency transaction fee of 3.5% of the transaction value. Additionally, a Dynamic Currency Conversion (DCC) markup of 1.5% plus applicable taxes is charged for each international transaction performed in Indian currency, at an international location, or transactions in Indian currency with merchants located in India but registered in a foreign nation. This card may not be the most cost-effective choice for international travel.
FEESWhat are the late payment charges on the Axis Bank Freecharge Plus Credit Card?
The late payment fee structure is as follows: Nil if total payment due is less than ₹500; ₹500 if due is between ₹501–₹5,000; ₹750 if due is between ₹5,001–₹10,000; and ₹1,200 if due exceeds ₹10,000. An additional charge of ₹100 applies if the Minimum Amount Due (MAD) is not paid by the Payment Due Date (PDD) for two consecutive billing periods.
FEESAre there any surcharges on wallet load, fuel, or utility transactions?
Yes, certain transaction types attract a 1% surcharge beyond specific thresholds. A 1% fee applies on cumulative wallet load transactions of ₹10,000 or more in a statement cycle, on cumulative fuel transactions of ₹50,000 or more in a statement cycle, on each education payment made through third-party apps, on cumulative utility spends of ₹25,000 or more in a statement cycle, and on online skill-based gaming spends of ₹10,000 or more in a statement period. Rent transactions also attract a 1% fee on each transaction.
BENEFITSWhat dining and lifestyle benefits does the Freecharge Plus Credit Card offer?
Cardholders can enjoy exceptional dining experiences at top restaurants across India through the Axis Bank Dining Delights Program. Additionally, the card offers a 'Wednesday Delight' benefit, which includes instant savings of up to 15% on flights and hotels via MakeMyTrip, 10% off on orders via Swiggy, and 10% off up to ₹1,000 on Tira. These offers are available every Wednesday, helping cardholders save on dining, food delivery, travel, and beauty purchases.
FEESWhat is the card replacement fee for the Axis Bank Freecharge Plus Credit Card?
The card replacement fee for the Axis Bank Freecharge Plus Credit Card is Nil. This means if your card is lost, stolen, or damaged, Axis Bank will replace it at no additional cost to you. Other fees such as duplicate statement fee, charge slip retrieval fee, and outstation cheque fee are also waived, making this a cost-effective card for everyday use.
FEESWhat is the finance charge on the Axis Bank Freecharge Plus Credit Card?
The Axis Bank Freecharge Plus Credit Card applies finance charges of 3.75% per month on retail purchases and cash transactions if the outstanding balance is not paid in full by the due date. Cash withdrawal attracts a fee of 2.5% of the cash amount, with a minimum charge of ₹500. It is advisable to pay your full outstanding balance each month to avoid these charges and maintain a healthy credit profile.
BENEFITSAre there any welcome benefits on the Axis Bank Freecharge Plus Credit Card?
The Axis Bank Freecharge Plus Credit Card previously offered welcome voucher benefits worth ₹700. However, this welcome voucher benefit is not applicable for cards issued on or after 4th January 2023. If your card was issued before this date, you may have been eligible for the welcome benefit. New cardholders should check with Axis Bank or the Freecharge app for any updated welcome offers that may be available.
REWARDSWhat is the estimated annual benefit from the Axis Bank Freecharge Plus Credit Card?
Based on the illustrative value chart provided by Axis Bank, for total annual spends of ₹1,10,000 (₹15,000 on Freecharge, ₹10,000 on local commute, and ₹85,000 on other spends), the total cashback earned is ₹1,800 and additional discounts/benefits amount to ₹1,050 (including the annual fee waiver of ₹350). This results in an estimated total annual benefit of approximately 2.59% on total spends. Actual benefits may vary based on individual spending patterns.
USAGECan I use the Axis Bank Freecharge Plus Credit Card for rent payments?
Yes, you can use the Axis Bank Freecharge Plus Credit Card for rent transactions. However, a 1% fee is applicable on each rental transaction. Additionally, rent transactions are excluded from the eligible spends counted toward the annual fee waiver of ₹50,000. So while you can pay rent using this card, it is important to be aware of the associated 1% surcharge and that it will not contribute to your annual fee waiver milestone.
OTHERHow do I contact Axis Bank for queries related to the Freecharge Plus Credit Card?
You can contact Axis Bank through multiple channels for any queries or concerns related to your Freecharge Plus Credit Card. Call the toll-free numbers 1800 209 5577 or 1800 103 5577, or chargeable lines 1860 419 5555 or 1860 500 5555. You can also reach out via WhatsApp Banking by sending 'Hi' to 7036165000. For complaints, Axis Bank has a structured grievance redressal mechanism available through their official website.
ELIGIBILITYIs there a minimum income requirement to apply for the Axis Bank Freecharge Plus Credit Card?
Axis Bank has not publicly disclosed a specific minimum income requirement for the Freecharge Plus Credit Card. Since the card follows an invite-only model, eligibility is determined by Axis Bank based on your profile as a Freecharge app user. If you are eligible, you will receive an invite banner on the Freecharge Mobile App. For further details on eligibility criteria, you may contact Axis Bank customer care or check the Freecharge app.

Related Cashback Cards

Explore other premium credit cards that offer similar benefits and rewards.

View all Cashback cards
811 Dream Different Credit Card
RewardsCashbackFuel

811 Dream Different Credit Card

Interest-free cash withdrawal up to 48 days; cash withdrawal up to 90% of total credit limit; Rs. 100 processing fee per ATM withdrawal

Credit limit up to 90% of fixed deposit amount; credit limit known upfront at time of application

Joining Fee
N/A
Annual Fee
Rs. 0 + Taxes
Altura Credit Card
CashbackLifestyle

Altura Credit Card

Add-on cards available at no additional charge

Contactless payments up to ₹5,000 without PIN

Joining Fee
₹199
Annual Fee
₹199
Altura Plus Credit Card
CashbackRewardsFuel

Altura Plus Credit Card

Zero liability card cover against fraudulent transactions on lost card after reporting loss to the bank

Contactless card usage with pin-free payments at participating merchants for amounts up to ₹5,000

Joining Fee
₹499
Annual Fee
₹499

More from Axis Bank

Discover the full range of credit cards offered by Axis Bank to find the perfect fit for your finances.

View all Axis Bank cards
Airtel Axis Bank Credit Card
Rewards

Airtel Axis Bank Credit Card

Detailed benefits inside

Joining Fee
N/A
Annual Fee
₹1,500
Axis Bank ACE Credit Card
LifestyleTravel

Axis Bank ACE Credit Card

5% cashback* on Utility bill payments & recharges on Google Pay

4% cashback* on Swiggy, Zomato & Ola; 1.5% cashback* on other spends

Joining Fee
N/A
Annual Fee
₹499
Axis Bank Atlas Credit Card
TravelRewards

Axis Bank Atlas Credit Card

Welcome benefit: 2,500 EDGE Miles on first transaction within 37 days of card issuance

Miles transfer program: 1 EDGE Mile = 2 partner miles to airline loyalty programs

Joining Fee
₹5,000
Annual Fee
₹5,000