The Axis Bank Freecharge Plus Credit Card is issued by Axis Bank in partnership with Freecharge. It offers 5% cashback on Freecharge spends, and hence is a good card choice for making different kinds of utility payments & recharges on the Freecharge platform. It also offers 2% on local commute spends, and has a comparatively low annual fee.
Best for earning cashback (5%) on various kinds of payments on Freecharge platform. The card also offers 2% cashback on local commute spends.
The annual card spend target to get annual fee waived off (from 2nd year onwards) is low – ₹50,000. The 1st year annual fee is zero.
You earn 5% cashback on card spends on the Freecharge website and app
Cashback earned during a billing cycle is automatically credited by the 8th of the next month.
For full details, refer here.
You earn 2% cashback on local commute spends.
Cashback earned during a billing cycle is automatically credited by the 8th of the next month.
You earn 1% cashback on all other spends.
Exceptions : No cashback is given on wallet loads, fuel spends, cash withdrawal, gold & jewellery transactions, returns & reversals, gift card purchases, government & education spends, EMI transactions, purchases converted to EMI, and rental payments.
This program is offered by Axis Bank, in partnership with EazyDiner. You get a 15% discount up to ₹500 on your restaurant orders, at over 4000 restaurants nationwide. For a list of participating restaurants and more information, please visit here. Minimum order amount required is ₹2500.
Hence you get a 15% discount on orders between ₹2500 and ₹3333. On orders above ₹3333, your discount percentage falls below 15% since the maximum discount is fixed at ₹500. For example, if your order amount is ₹5000, you will get a maximum discount of ₹500 and your discount percentage would be 10%. And if your order amount is ₹1800, you get no discount since the minimum order value to avail the discount is ₹2500.
This offer can be redeemed once every month.
Please click here for all the options to contact the bank for various issues and escalations.
| Annual fee | Annual fee offers | |
|---|---|---|
| 1st year joining fees | ₹350 | – |
| Renewal fee from 2nd year onwards | ₹350 | Renewal offer : Annual fee is not charged from the second year onwards , if you spend ₹50,000 or more in the previous year. (Rent transactions and wallet load transactions will not be considered as eligible spends , towards availing this annual fee waiver) Hence, the card is free if you spend ₹50,000 or more annually . |
Late payment fee depends on the total payment due
| Total bill amount due | Late payment charges |
|---|---|
| Less than ₹500 | None |
| Between ₹501-₹5000 | ₹500 |
| Between ₹5,001-₹10,000 | ₹750 |
| ₹10,001 and above | ₹1200 |
Foreign currency mark-up fee
3.50% of the transaction amount. This fee is charged when you use your credit card outside India.
Finance charges
3.60% per month
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Axis Bank Freecharge Plus Credit Card Fees & Charges
The Axis Bank Freecharge Plus Credit Card is exclusively available through invitation, and eligible individuals will find an option to apply for it within their Freecharge Mobile App.
Some general eligibility criteria are mentioned below.
| Minimum age | 18 years |
| Maximum age | 70 years |
| Income requirements | Not specified |
| Credit score | Preferably above 750 |
| Online Application process | The Axis Bank Freecharge Plus Credit Card is exclusively available through invitation, and eligible individuals will find an option to apply for it within their Freecharge Mobile App. General application steps are mentioned below – – Fill up the application form – Make sure to submit the required documents, including identity proof (Voter card, Aadhar card, PAN card, etc.), address proof (Aadhar card, Voter card, PAN card, driving licence, etc.), and proof of income (salary slips, audited ITR acknowledgement). – Review your application and click submit. – Await confirmation from regarding the status of your application. |
| Offline (face to face) Application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. |
| Approval timeline and process | In most cases, the credit card decision would be communicated within 7 – 21 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you. Click here to track the status of your Axis Bank Credit Card application. |
| Required Documents | – PAN card photocopy or Form 60 – Colour photograph – Income proof : Latest payslip/Form 16/IT return copy – Residence proof (any one of the following) : Passport , Ration Card, Electricity bill, Landline telephone bill – Identity proof (any one of the following) : Passport, Driving license, PAN card, Aadhaar card Please note that this list is only indicative. Documents required may vary on a case-to-case basis. |
In conclusion, the Axis Bank Freecharge Plus Credit Card is a good card choice to make various kinds of payments on the Freecharge website or mobile app. It also has a comparatively low annual fee, and a comparatively low annual spend target of ₹50,000 to make the card virtually free.
However, Axis Bank Freecharge Plus Credit Card can only be used as a specialist card, along with other cards since it does not offer attractive rewards on other major spending needs such as shopping and travel. Hence one will need to ideally get other credit cards to benefit from all your spends.
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