Joining Fee

₹350

Annual Fee

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

Forex Markup

3.5% + GST

INTERNATIONAL

Late Payment Charges

Minimum ₹500

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

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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