Axis Bank Freecharge Plus Credit Card

Name: Axis Bank Freecharge Plus Credit Card
Brand: Axis Bank
Price: 350 INR
Availability: InStock
Rating: 2.5 (1 reviews)

Overview

The Axis Bank Freecharge Plus Credit Card is the upgraded version of the standard Freecharge co-branded card, built around a straightforward cashback structure. The headline rate is 5% cashback on all transactions made through the Freecharge platform, covering mobile recharges, utility bill payments, and other Freecharge services. A 2% return on local commute spending (metro, buses, cabs) adds a daily-use layer, while all remaining purchases earn 1% back.At ₹350 for the joining fee and the same for annual renewal, this sits firmly in the budget category. The first year annual fee is waived entirely, and from the second year onward the ₹350 gets waived if you spend at least ₹50,000 in the preceding anniversary year. That threshold is among the lowest in the Axis Bank card lineup, making it achievable for most regular card users.The card includes access to the Axis Bank Dining Delights programme, offering discounts at partner restaurants across India. Wednesday Delight offers bring periodic deals on MakeMyTrip (up to 15% off flights and hotels), Swiggy (10% off), and Tira (10% off up to ₹1,000). These rotating offers vary by quarter but provide recurring savings for users who time their spending accordingly.The catch is availability: this is an invite-only card, accessible only through a banner on the Freecharge mobile app for eligible customers. There is no direct application route through the Axis Bank website or branches. Several transaction fees also apply on rent (1%), wallet loads (1% above ₹10,000), fuel (1% above ₹50,000), utility (1% above ₹25,000), and education payments (1% via third-party apps). These fees can reduce or negate the cashback on high-value transactions in those categories.

Pros

↑5% on Freecharge is among the highest return rates for bill payments and recharges in the budget card segment, where most competing cards cap at 1-2%
↑Low annual fee of ₹350 with a very achievable ₹50,000 spend waiver threshold, plus first year entirely free
↑Wednesday Delight offers on MakeMyTrip, Swiggy, and Tira add recurring value beyond the base cashback structure

Cons

↓Invite-only availability through the Freecharge app means you cannot apply directly through the Axis Bank website or branches
↓1% cashback on non-Freecharge, non-commute spending is below the 1.5% offered by competing entry-level cashback cards like the Axis ACE
↓No airport lounge access, welcome offer, or international travel benefits, limiting the card to domestic Freecharge-centric use

Key Highlights

Welcome Offer
5% cashback on Freecharge spends
5% on all Freecharge transactions
2% on local commute (metro, bus, cab)
1% on all other spends
Cashback credited automatically

Reward Rate
Wednesday Delight offers weekly
Up to 15% off flights and hotels on MakeMyTrip
10% off on Swiggy orders
10% off up to ₹1,000 on Tira
Offers rotate by quarter

Minimum Salary
Invite-only via Freecharge app
Available only through Freecharge mobile app
Eligible customers see a banner in the app
Cannot apply via Axis Bank website or branch
Must be an Indian resident

Joining Fee
₹350 joining fee
One-time joining fee: ₹350
Card replacement fee: Nil
Duplicate statement fee: Waived

Annual Fee
₹350 (waived on ₹50K spend)
Annual fee: ₹350 from 2nd year
1st year annual fee: NIL
Waived on ₹50,000 annual spend
Rent and wallet load transactions excluded from waiver calculation

Why Choose?
Freecharge bills, commute, dining deals
5% on Freecharge bill payments and recharges
2% on local commute
1% on everything else
Dining Delights and Wednesday offers

Key Benefits

Cashback

★4.0

▼

5% on all Freecharge transactions (recharges, bill payments)
2% on local commute (metro, bus, cab)
1% on all other spends
Cashback credited automatically
No minimum redemption threshold

Dining

★3.0

▼

Dining Delights programme with discounts at partner restaurants
1% cashback on dining transactions
No separate accelerated cashback category for dining
Wednesday Delight includes 10% off on Swiggy orders

Fuel

★1.5

▼

No dedicated fuel cashback or surcharge waiver mentioned
1% fee on cumulative fuel spends above ₹50,000 per statement cycle
Railway surcharge as prescribed by IRCTC/Indian Railways

Shopping

★2.5

▼

1% cashback on all retail and online purchases
No category exclusions for general shopping
Rent transactions attract 1% fee
1% fee on online skill-based gaming above ₹10,000 per cycle

Merchant Offers

▼

Wednesday Delight: 15% off MakeMyTrip, 10% off Swiggy, 10% off Tira
Dining Delights at partner restaurants across India
Offers rotate quarterly

Travel

★1.5

▼

No airport lounge access included
3.5% foreign currency markup on international transactions
1.5% DCC markup on transactions in INR at international locations
Up to 15% off flights and hotels via MakeMyTrip (Wednesday Delight)

Emi

▼

EMI conversion available on eligible purchases
Finance charges: 3.75% per month
Contact Axis Bank to convert transactions

Detailed Information

Joining Fee	₹350
Annual Fee	1st year NIL; ₹350 from 2nd year
Annual Fee Waiver	Waived on ₹50,000 annual spend (excludes rent and wallet loads)
Monthly Percentage Rate	3.75%
Annual Percentage Rate	55.55%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5%
Late Payment Charges	Nil up to ₹500 due; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000)
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	Nil
Fee For Duplicate Statement	Waived
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	18-70 years (estimated)
Age Requirement Self Employed	18-70 years (estimated)
Minimum Annual Income Salaried	Not specified (invite-only model)
Minimum Annual Income Self Employed	Not specified (invite-only model)
Minimum Credit Score	Not specified (bank discretion)

Identity Proof	PAN Card (mandatory) Passport Driving License Voter ID Aadhaar Card
Address Proof	Passport Driving License Voter ID Aadhaar Card
Income Proof Salaried	Latest payslip Bank statement Form 16 IT return copy
Income Proof Self Employed	IT return copy Bank statement Business proof

Frequently Asked Questions

The joining fee is ₹350. This is a one-time charge when you first receive the card. The card replacement fee is nil and duplicate statement fees are waived.

The annual fee of ₹350 (charged from the 2nd year) gets waived if you spend at least ₹50,000 in the preceding card anniversary year. The first year annual fee is waived entirely. Rent and wallet load transactions do not count toward this spend threshold.

All transactions made through the Freecharge platform earn 5% cashback. This covers mobile recharges, utility bill payments, and other Freecharge services. This is the highest cashback category on the card.

Local commute spending earns 2% cashback. This covers metro, bus, and cab expenses. It is the second-highest cashback category after Freecharge transactions.

All purchases outside Freecharge and local commute categories earn 1% cashback with no category restrictions. There is no cap mentioned on this baseline cashback rate.

No. This is an invite-only card. Eligible customers see a banner on the Freecharge mobile app offering the card. You cannot apply directly through the Axis Bank website, Axis Mobile app, or any Axis Bank branch.

You need to be invited through the Freecharge mobile app. If you are eligible, a banner will appear in your Freecharge app. Follow the in-app instructions to complete the application. There is no other way to apply for this card.

Every Wednesday, cardholders get access to special deals: up to 15% off on flights and hotels via MakeMyTrip, 10% off on Swiggy orders, and 10% off up to ₹1,000 on Tira. These offers rotate periodically and terms may change by quarter.

Yes. The card provides access to the Axis Bank Dining Delights programme, offering discounts at partner restaurants across India. Regular dining transactions also earn the standard 1% cashback.

The finance charge is 3.75% per month, which works out to 55.55% per annum. This applies to any unpaid balance carried forward past the payment due date. Paying the full statement balance by the due date avoids all interest charges.

Late payment fees are tiered: nil if total due is up to ₹500, ₹500 for dues between ₹501 and ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for amounts above ₹10,000. An extra ₹100 applies if the minimum amount due is missed for two consecutive billing periods.

International transactions attract a 3.5% foreign currency markup. An additional 1.5% dynamic currency conversion markup (plus taxes) applies if you choose to transact in Indian rupees at international locations or with merchants registered abroad.

Yes. A 1% fee per transaction (plus GST) applies to all rent payments. Rent transactions also do not count toward the ₹50,000 annual spend required for the annual fee waiver.

Yes. A 1% fee applies on cumulative wallet load transactions of ₹10,000 or more in a statement cycle. Wallet load transactions are also excluded from the annual fee waiver spend calculation.

A 1% fee applies on cumulative fuel transactions of ₹50,000 or more in a statement cycle. There is no specific fuel surcharge waiver mentioned for this card.

Yes. A 1% fee applies on cumulative utility spends of ₹25,000 or more per statement cycle. This can reduce the net return on high-value utility payments even when routed through Freecharge.

Yes. A 1% fee applies on each education payment made through third-party apps. This fee was introduced across several Axis Bank credit cards and applies regardless of the transaction amount.

Cash advances attract a fee of 2.5% of the withdrawn amount with a minimum of ₹500. Interest at 3.75% per month begins from the date of withdrawal with no interest-free period. Cash advances do not earn cashback.

The overlimit penalty is 2.5% of the amount exceeding your credit limit, with a minimum charge of ₹500. Applicable taxes are charged on top. Keeping usage within your credit limit avoids this charge entirely.

Yes. Eligible purchases can be converted to EMI by contacting Axis Bank. Finance charges of 3.75% per month apply. Processing fees may vary depending on the tenure selected.

Standard documentation includes a PAN card (mandatory), identity proof (Aadhaar, passport, or driving license), address proof, and income proof (payslips, Form 16, or IT returns). Self-employed applicants need IT returns and business proof.

No. The card replacement fee is nil. Duplicate statement fees and charge slip retrieval fees are also waived. Outstation cheque fees are waived as well.

The Freecharge Plus is the premium tier of the Freecharge co-branded lineup. It carries a ₹350 joining and annual fee (versus a lower or zero fee on the base card) but provides higher cashback rates on Freecharge and commute spending, plus access to Dining Delights and Wednesday Delight offers.

Not particularly. The 3.5% foreign currency markup plus a potential 1.5% dynamic currency conversion markup makes international spending expensive. There is no airport lounge access included. This card is primarily built for domestic Freecharge users.

Yes. A 1% fee applies on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement period. This is a separate category-specific fee that reduces your net return on gaming platform spending.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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