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Federal BankThe Axis Bank Freecharge Plus Credit Card is the superior version of the Freecharge Credit Card issued by the Axis Bank. It is a virtual credit card that you can get instantly after approval on the Freecharge app. However you can order the physical card as well, but the virtual card gets you all the benefits of the physical card. It comes at zero joining charges, and there is an annual fee of Rs. 350, which is charged from the second year. With this card, you can earn up to 5% cashback on all your transactions and bonus Edge Reward Points every month on achieving the required milestone spend.
Other than all this, you get exciting discount offers on dining under the Axis Bank’s Dining Delights program. Moreover, you get a 1% fuel surcharge waiver at all fuel stations when you pay using your Freecharge Plus Card. To let you save even more, the card comes with a spend-based waiver of the renewal fee. To know more about the Axis Bank Freecharge Plus Credit Card and its fees & charges, go through the full article:
Axis Bank Freecharge Plus Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Cashback |
Welcome Benefits
Movie & Dining
Get 20% off up to Rs. 500 on dining
Rewards Rate
5% cashback on all spends via Freecharge and 1% cashback on all other spends.
Reward Redemption
Edge Reward Points can be redeemed against various products at a rate of 1 RP = Re. 0.20.
Travel
NA
Golf
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Insurance Benefits
NA
Zero Liability Protection
The cardholder will not be liable for any fraudulent transactions made on a lost/stolen card post reporting the loss to the bank.
Spend Based Waiver
The renewal fee is waived off on spending Rs. 50,000 or more in the previous year.
Rewards Redemption Fee
Nil
Rewards Redemption Fee
Nil
Foreign Currency Markup
3.5% on all foreign currency spends.
Interest Rates
3.6% per month (52.86 per annum)
Fuel Surcharge
N/A
Cash Advance Charges
2.5% of the withdrawn amount or Rs. 500 (whichever is higher)
Add-on Card Fee
Nil
- Unlimited 5% cash back on all your Freecharge spends.
- 2% cashback on local commute.
- Up to 20% discount on dining.
- Spend-based waiver of the renewal fee.
- 1% fuel surcharge waiver on all fuel transactions.
Axis Bank Freecharge Plus Credit Card Features and Benefits
The Axis Bank Freecharge Plus Credit Card is solely aimed at providing its customers with great saving benefits on all their spends. Other than this, you get exciting activation benefits. To understand all its features and benefits in detail, refer to the information provided below:
Cashback
- You earn 5% cashback on all your spends via the Freecharge mobile app/website.
- You earn 2% cashback on local commutes through Ola, Uber, etc. This includes selected MCCs, including 4121, 4131, 4111, and 7512.
- You earn 1% cashback on all other retail spends.
- Cashback is not applicable on transactions below Rs. 100.
- No cashback is earned on fuel purchases, wallet reloads, cash withdrawals, EMI purchases, gift cards, jewellery purchases, and rental payments.
Spend Based Waiver
- The renewal fee of Rs. 350 is waived if you have spent Rs. 50,000 or more in the previous year.
- Rent and wallet reloads shall not contribute towards the spend-based waiver.
Axis Bank Freecharge Plus Credit Card Eligibility & Documentation
- The age of the primary cardholder should be above 21 years.
- The applicant should have a stable source of income.
- The applicant should have a decent credit history.
Documents Required
- Identity Proof: Aadhaar Card, PAN Card, Passport, Driving license, etc.
- Address Proof: Aadhaar Card, Utility bills, rent agreement, Passport, Driving License, Voter ID, etc.
- Proof of Income: Latest bank statements/salary slips or latest ITR.
How To Apply For Axis Bank Freecharge Plus Credit Card?
You should download the Freecharge mobile app and log in to it if you want to get the Freecharge Plus Credit Card. Simply fill in a few details, like your registered mobile number and apply for the Axis Bank Freecharge Plus Credit Card. Currently, you can only apply for this credit card through the Freecharge app. Below are the detailed steps for applying for the card-
- Click on ‘Credit Card’ on the Freecharge app.
- Enter a few details like PAN Card.
- Apply for the card after submitting your details.
Axis Bank Freecharge Plus Credit Card Review
The Axis Bank Freecharge Plus Credit Card is an exclusive offering by the bank as it allows you to save up to 5% on all your transactions. You can apply for this credit card through your Freecharge mobile application. Moreover, once you get this card, you should make most of your payments/transactions via the Freecharge app so that you can earn 5% cashback and get the maximum benefit. Moreover, the spend-based waiver offered with this card is one of its most significant features, as you can make your Axis Bank Credit Card free just by spending Rs. 50,000 or more every year. The card is an excellent option for anyone who aims to save more on all their spends. Whether it’s regular expenditure or spends for commutes, you can save big with this card.
If you have any further doubts regarding the Axis Bank Freecharge Plus Credit Card, you can ask us in the comment section below!
4 Comments
I can hear, after 10 dec 2023 freecharge axis card cash back stop for insurance payments.
There has been no official information in this regard.
Does axis bank freecharge plus card provide 5% cashback on Utility bill payments as well using freecharge app with this card as payment mode? I mean does Utility bills (electricity bill, broadband bill, mobile recharge) also fall under 5% cashback on freecharge app benefit?
Yes, you shall get cashback on utility payments made on the FreeCharge app.