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Credit Cards · India

Axis Bank FreeCharge Plus Credit Card

Updated 3 Jul 2026Source-linked

The Axis Bank FreeCharge Plus Credit Card is a entry co-branded credit card from Axis Bank and FreeCharge, with a joining fee of ₹350 + GST.

It earns up to 5% on FreeCharge spends in the form of cashback.

Welcome benefit: Welcome voucher worth Rs 700.

Axis Bank logo
Axis Bank FreeCharge Plus Credit Card
RuPay logo
  • Joining Fee₹350
  • Annual Fee₹350
  • Best Suited ForCo-brand rewards
  • Reward TypeCashback
Rewards Rate
  • 5% on freecharge spends
  • 2% on local commute
  • Base 1.00% on other spends
Welcome Benefits
  • Welcome voucher worth Rs 700
Axis Bank logoAxisRuPay logoentryCo-brand · FreeCharge
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Rewards and Benefits

Rewards Rate
5% on freecharge spends
2% on local commute
Base 1.00% on other spends.
Reward Redemption
Cashback adjusted against statement.
Welcome Benefits
Welcome voucher worth Rs 700
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
Up to — off via dining partners
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Wednesday Delight — Exciting offers every Wednesday for cardholders.

Fees & Charges

Spend-Based Waiver
₹50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.00% per month (36.0% annualised)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
N/A

Product Details

  • Co-branded entry card by Axis Bank and FreeCharge.
  • Joining / annual fee of ₹350 + GST, waived on annual spends of ₹50,000.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Annual fee waivable on ₹50,000 spend.
  • Accelerated earn worth ≈5.0% on freecharge spends.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
  • Invite-only — limited availability.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹700 welcome benefit

  • Welcome voucher worth Rs 700
    Card issued before 4 January 2023

Accelerated rewards

  • 5% on freecharge spends
    5% cashback on Freecharge spends (value chart: Rs 15,000 spend -> Rs 750 = 5%).
  • 2% on local commute
    2% cashback on local commute spends (value chart: Rs 10,000 spend -> Rs 200 = 2%).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • rent
  • wallet loads
  • utilities
  • education
  • government
  • insurance premiums
  • jewellery
  • gift cards
  • cash advance

Other benefits

  • Wednesday Delight. Exciting offers every Wednesday for cardholders.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
—
Income (salaried)
—
Income (self-employed)
—

Invite-only: eligible customers see the banner on their Freecharge mobile app.

Tagsentrycashbackco brandedinvite only