Axis Bank Freecharge Plus Credit Card
The Axis Bank Freecharge Plus Credit Card is an invite-only cashback card offering 5% cashback on Freecharge spends, 2% on local commute and 1% on other spends. It carries a joining fee of Rs.350, an annual fee of Rs.350 from the second year (waived on Rs.50,000 spends), and finance charges of 3.75% per month.
Key Highlights of the Axis Bank Freecharge Plus Credit Card
- Welcome vouchers on card activation applied only to cards issued before 4 January 2023 and are not available to cards issued after that date.
- Waiver is given on the annual fee of the card.
- Cashback is given on every transaction made.
- Access to Wednesday Delight, offering savings on select travel, food delivery and shopping partners every Wednesday.
Axis Bank Freecharge Plus Credit Card Limit
The limit of the Axis Bank Freecharge Plus Credit Card will be assigned at the discretion of Axis Bank. The bank will be taking into consideration various factors before assigning the credit limit which includes the credit score of the applicant, the credit utilisation ratio, and your repayment habits.
Features and Benefits of the Axis Bank Freecharge Plus Credit Card
Welcome Benefits |
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Spend-Based Benefits |
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Cashback Benefits |
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Dining Benefits |
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Axis Bank Freecharge Plus Credit Card Fees and Charges
Type of Fee | Amount |
Annual fee | 1st year: Nil. 2nd year onward: Rs.350, waived if spends in the preceding card anniversary year exceed Rs.50,000 (rent and wallet-load transactions excluded). |
Joining fee | Rs.350 |
Finance charges | 3.75% per month |
Duplicate statement fee | Waived |
Card replacement fee | Nil |
Cash payment fee | Rs.175 |
Outstation cheque fee | Waived |
Charge slips retrieval fee | Waived |
Late payment fee | If the total payment due is: less than Rs.500 - Nil; Rs.501 to Rs.5,000 - Rs.500; Rs.5,001 to Rs.10,000 - Rs.750; Rs.10,001 to Rs.50,000 - Rs.1,200; more than Rs.50,000 - Rs.1,300. An additional Rs.100 is charged if the Minimum Amount Due is not paid for two consecutive cycles, until it is cleared. |
Cheque return fee | 2% of the payment amount (Minimum of Rs.500) |
Over limit fee | 3% of the overlimit amount (Minimum of Rs.500) |
Foreign transaction fee | 3.5% of the value of transaction |
Surcharge on purchase of Railway tickets | As per Indian Railways |
Cash withdrawal fee | 2.5% of the cash amount (Minimum of Rs.500) |
Wallet load transaction fee | 1% on cumulative wallet-load transactions of Rs.10,000 or more in a statement cycle |
Utility transaction fee | 1% on cumulative utility bill payments of Rs.25,000 or more in a statement cycl |
Note: The interest rates are effective from 28 August 2026.
Eligibility Criteria for the Axis Bank Freecharge Plus Credit Card
The Axis Bank Freecharge Plus Credit Card currently follows an invite-only model: eligible customers see an application banner on their Freecharge mobile app, rather than applying with open eligibility criteria. If invited, the standard criteria below apply.
Employment status | He or she must be salaried or self-employed. |
Age | The primary applicant must be 18 years old. |
Nationality | The applicant must be a citizen of India. |
Credit Score | Maintaining a good credit score may increase the chances of getting the application approved. |
Documents Required for the Axis Bank Freecharge Plus Credit Card
Income Proof | Identity Proof | Proof of Address |
IT Returns | Aadhaar Card | Aadhaar Card |
Form 16 | Passport | |
Salary Slip | Voter ID | Voter ID |
- | - | Ration Card |
Summary
The Axis Bank Freecharge Plus Credit Card is an invite-only cashback card that rewards Freecharge, local commute and everyday spends, alongside weekly Wednesday Delight offers and a conditional annual fee waiver. Eligible customers are notified through the Freecharge mobile app, after which the standard eligibility and documentation criteria apply. Check the Fees and Charges table above for the current joining fee, annual fee and finance charges before you apply.
FAQs on Axis Freecharge Plus Credit Card
1.What is the Axis Bank Freecharge Plus Credit Card?
The Axis Bank Freecharge Plus Credit Card is a cashback credit card that Axis Bank offers in partnership with Freecharge, designed to simplify utility bill payments and everyday commute expenses. It rewards cardholders with cashback on Freecharge spends, local commute and other purchases. The card also includes weekly Wednesday Delight offers and periodic welcome benefits.
2.How is the credit limit on the Axis Bank Freecharge Plus Credit Card decided?
Axis Bank assigns the credit limit on the Axis Bank Freecharge Plus Credit Card at its own discretion. The bank considers factors such as the applicant's credit score, credit utilisation ratio and repayment history before setting the limit.
3.What cashback does the Axis Bank Freecharge Plus Credit Card offer?
The Axis Bank Freecharge Plus Credit Card offers tiered cashback across spend categories, with the highest rate reserved for Freecharge transactions. Local commute spends earn a lower cashback rate, while all other spends earn the base rate. Exact cashback percentages are listed in the Cashback Benefits section above.
4.Will I receive welcome vouchers on the Axis Bank Freecharge Plus Credit Card?
Welcome vouchers on the Axis Bank Freecharge Plus Credit Card were offered for cards issued before 4 January 2023 and are not available to cardholders who receive the card after that date. Check the Key Highlights section above for the card's current welcome and activation benefits.
5.Is the annual fee waived on the Axis Bank Freecharge Plus Credit Card?
Yes, the annual fee on the Axis Bank Freecharge Plus Credit Card can be waived. The exact waiver condition, based on your spends in the preceding card anniversary year, is listed in the Fees and Charges table above.
6.What is Wednesday Delight on the Axis Bank Freecharge Plus Credit Card?
Wednesday Delight is a weekly benefits programme on the Axis Bank Freecharge Plus Credit Card that offers savings on select travel, food delivery and shopping partners every Wednesday. The participating partners and offer details are listed in the Features and Benefits section above.
7.What are the finance charges on the Axis Bank Freecharge Plus Credit Card?
Finance charges on the Axis Bank Freecharge Plus Credit Card apply to retail purchases and cash transactions that are not paid in full by the due date. The current monthly rate is listed in the Fees and Charges table above.
8.Does the Axis Bank Freecharge Plus Credit Card charge a fee on foreign currency transactions?
Yes, the Axis Bank Freecharge Plus Credit Card levies a foreign currency transaction fee on international spends. The exact percentage is listed in the Fees and Charges table above.
9.Can I get a duplicate statement or replace a lost Axis Bank Freecharge Plus Credit Card?
Yes, cardholders can request a duplicate statement and a replacement card for the Axis Bank Freecharge Plus Credit Card. Any charges that apply are listed in the Fees and Charges table above.
10. Who is eligible for the Axis Bank Freecharge Plus Credit Card?
The Axis Bank Freecharge Plus Credit Card currently follows an invite-only model, so eligible customers are notified through a banner on their Freecharge mobile app. Applicants who are salaried or self-employed, at least 18 years old, Indian citizens and hold a good credit score are considered.
11.What documents are required for the Axis Bank Freecharge Plus Credit Card?
Applying for the Axis Bank Freecharge Plus Credit Card requires income proof such as IT returns, Form 16 or a salary slip, along with identity proof and address proof. The complete list of accepted documents is given in the Documents Required section above.
Annie Jangam is a financial writer with a unique background in biotechnology and eight years of genomics research experience, culminating in 6 international publications. She combines her analytical and communication skills to simplify complex financial concepts, delivering precise and creatively engaging content in the fintech industry. She covers various financial products such as banking, insurance, credit cards, tax, commodities, and more. Outside of the financial realm, she dabbles in poetry. Her extracurricular passions include organizing events like One Billion Rising and Human Rights Day. She is committed to the equality of all people, a principle rooted in her Christian faith. Annie strives to embody the values of faith, hope, and love in both her work and her life.
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