Unlock unlimited cashback on Freecharge and daily commutes
1% cashback on all other eligible spends
2% cashback on Ola & Uber rides
5% cashback on Freecharge spends
Enter your details to get started
| Benefit | Details |
|---|---|
| Accelerated Freecharge Cashback | Earn 5% cashback on all bill payments, recharges, and transactions made via the Freecharge app. Perfect for managing utility payments, mobile recharges, and everyday digital transactions. |
| Daily Commute Savings | Earn 2% cashback on Ola and Uber rides, making daily travel more rewarding. Ideal for regular commuters who rely on ride-hailing services. |
| Base Cashback Programme | Earn 1% cashback on all other eligible retail purchases across categories including dining, shopping, groceries, and entertainment. |
| Annual Fee Waiver | Get your ₹350 + GST annual fee waived on spending ₹50,000 in the preceding card anniversary year, making the card essentially free for regular users. |
| Dining Privileges | Access exclusive dining experiences and save up to ₹500 at partner restaurants via EazyDiner through Axis Bank Dining Delights Programme. |
| Invite-Only Access | Exclusively offered to eligible Axis Bank and Freecharge customers through an invitation displayed on the Freecharge mobile application. |
| Virtual Card Convenience | Instantly receive your virtual credit card upon approval, allowing immediate use for online transactions without waiting for physical card delivery. |
| Wednesday Offers | Enjoy mid-week savings with up to 15% instant discounts on flights and hotels via MakeMyTrip and Goibibo, and 10% off on Swiggy and Amazon Fresh orders. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Cashback / Co-branded |
| Type of Card | Co-branded Virtual/Physical Credit Card |
| Free or Paid | ₹350 + GST Annually (Waiver on ₹50,000 spends) |
The Axis Bank Freecharge Plus Credit Card is the ideal choice for digital-first consumers who regularly use the Freecharge platform for bill payments, mobile recharges, and utility payments. Positioned as an entry-level co-branded card, it delivers exceptional value for those who prioritise straightforward cashback benefits on everyday digital transactions and daily commutes.
This card is perfect for young professionals, students, and urban consumers who prefer making payments through mobile applications and want to maximise savings on routine expenses. Whether you're paying electricity bills, recharging your mobile, or booking a cab through Ola or Uber, the Freecharge Plus card ensures every rupee spent brings you tangible cashback rewards.
Digital-First Rewards: The Freecharge Plus card is designed with the modern digital consumer in mind, offering accelerated cashback specifically for transactions made through the Freecharge platform. With 5% cashback on all Freecharge spends, you're effectively earning significant savings on your monthly utility bills, mobile recharges, DTH recharges, and other digital payments.
Commuter-Friendly Benefits: Unlike many entry-level cards, the Freecharge Plus offers 2% cashback on Ola and Uber rides, recognising the importance of ride-hailing services in daily urban commutes. This makes it particularly valuable for those who regularly use cab services for work or personal travel.
Straightforward Earning Structure: The card maintains a simple earning structure: 5% on Freecharge, 2% on Ola/Uber, and 1% on everything else. This predictability makes it easy to calculate your returns and plan your spending strategy without complex tier systems or milestone requirements.
Invite-Only Exclusivity: This card is offered on an invitation-only basis to eligible Axis Bank customers and active Freecharge users. If you're eligible, you'll see the application banner directly on your Freecharge mobile app, making the application process seamless and instant.
Virtual-First Approach: Upon approval, you instantly receive a virtual credit card that can be used immediately for online transactions. However, you can also request a physical card if preferred. The virtual card offers the convenience of not carrying a physical card whilst enjoying all the same benefits.
Affordable Entry Point: With an annual fee of just ₹350 + GST, this card represents one of the most affordable cashback cards in the market. Moreover, the fee is waived if you spend ₹50,000 or more in the preceding year, making it essentially free for regular users.
Co-branded Ecosystem: Being a co-branded card with Freecharge, it seamlessly integrates into the Freecharge app ecosystem, making it extremely convenient to track transactions, view cashback, and manage card services directly from the app.
Wednesday Delights: The card includes Wednesday-specific offers with instant discounts on travel bookings through MakeMyTrip and Goibibo (up to 15%), and food orders through Swiggy and Amazon Fresh (10% off), adding extra value beyond the standard cashback.
Excluded Categories: It's important to note that certain categories don't earn cashback including fuel transactions, wallet loads (except Freecharge), cash withdrawals, EMI conversions, rent payments, insurance premiums, education fees, and government payments.
No Lounge Access: As an entry-level card, it doesn't include airport lounge access or travel insurance benefits, keeping the focus purely on cashback rewards for everyday spending.
The Freecharge Plus card represents excellent value for digital-savvy consumers who want simple, straightforward cashback benefits without complicated earning structures or high annual fees. It's the perfect starter credit card for those building their credit history whilst enjoying meaningful rewards on daily transactions.
5% Cashback on Freecharge
Earn 5% cashback on all transactions made through the Freecharge mobile app or website, delivering significant savings on your digital payments.
Applicable on:
Mobile and DTH recharges
Electricity bill payments
Gas bill payments
Broadband and landline bill payments
Water bill payments
Postpaid mobile bill payments
Credit card bill payments
Insurance premium payments (when paid via Freecharge)
Any other transactions processed through Freecharge
Important Notes:
Minimum transaction value of ₹100 required to earn cashback
Cashback is credited to your card account
Bill payments made outside Freecharge app don't earn cashback
2% Cashback on Ola & Uber
Earn 2% cashback on all ride bookings made through Ola and Uber applications.
Applicable on:
Ola Micro, Mini, Prime, and LUX rides
Uber Go, Premier, and XL rides
Ola Auto rides
Both domestic and intercity rides
Note: Minimum transaction value of ₹100 required to earn cashback.
1% Cashback on Other Spends
Earn 1% cashback on all other eligible retail purchases across categories:
Includes:
Dining and restaurants
Shopping (online and offline)
Groceries and supermarkets
Entertainment and streaming services
Healthcare and wellness
Electronics and appliances
Fashion and lifestyle
All other retail transactions
Note: Minimum transaction value of ₹100 required to earn cashback.
Cashback earned on purchases is typically credited to your card account within 90 days from the transaction date. You can track your cashback through your card statement or the Axis Bank mobile app.
No cashback is awarded on the following transaction categories:
Fuel purchases at petrol pumps
Wallet loads (except Freecharge)
Cash withdrawals and cash advances
Purchase of gold, silver, and precious metals
EMI transactions
Rent payments (excluding via Freecharge)
Government institution payments
Insurance premium payments (when paid outside Freecharge)
Education institution fees
Utility bill payments (when paid outside Freecharge)
Purchases converted to EMI post-transaction
Card-to-card transactions
All cashback earned is automatically credited to your credit card account as a statement credit, reducing your outstanding balance. There's no need for manual redemption or claiming cashback.
Benefits of automatic credit:
No redemption thresholds
No expiry on earned cashback
Direct reduction in your bill amount
Simple and transparent process
Receive your virtual credit card instantly upon approval in the Freecharge mobile application.
Benefits:
Start using immediately for online transactions
No waiting period for card delivery
Secure digital card stored in the app
Option to request physical card separately
Get your annual fee of ₹350 + GST waived completely when you spend ₹50,000 or more in the preceding card anniversary year.
Details:
Spend calculated from anniversary date to next anniversary date
All eligible transactions count towards the threshold
Waiver applied automatically if threshold is met
Makes the card essentially free for regular users
Experience exceptional dining at top restaurants across India through the Axis Bank Dining Delights Programme.
Features:
Access to curated restaurant partners nationwide
Special offers and discounts at premium dining establishments
Advance table reservations at select restaurants
Exclusive experiences and chef's table events
Enjoy instant discounts on dining via EazyDiner partner restaurants:
Typical offer: Up to ₹500 discount on dining bills
Available at select partner restaurants
Book through EazyDiner platform
Verify current offer details on Axis Bank website or Freecharge app
Terms & Conditions:
Offers subject to platform-specific terms
Minimum order values may apply
Maximum discount caps apply per transaction/month
Prior reservation recommended
Beat the mid-week blues with exciting offers every Wednesday on popular platforms:
Travel Offers
Up to 15% instant savings on flights via MakeMyTrip and Goibibo
Up to 15% instant savings on hotels via MakeMyTrip and Goibibo
Special Wednesday-only deals on holiday packages
Food & Grocery
10% off on Swiggy food orders
10% off on Amazon Fresh grocery purchases
Applicable on both new and existing users
Terms & Conditions:
Offers subject to platform-specific terms
Minimum transaction values may apply
Maximum discount caps apply per transaction/month
Check Axis Bank website or Freecharge app for current active offers
Instant issuance upon approval
View card details through Axis Bank Mobile App
Secure storage in Freecharge application
Option to order physical card if required
Whilst the card primarily focuses on cashback, select transactions may also earn EDGE Reward Points that can be redeemed through the Axis Bank rewards programme.
Track transactions in real-time through Freecharge app
View cashback earned through card statements
Manage card limits and settings via Axis Bank Mobile Banking
Set transaction alerts and notifications
Enjoy up to 50 days of interest-free credit period on purchases:
Period ranges from 20 to 50 days depending on transaction date
Interest-free period available when previous dues are paid in full
Does not apply to cash advances, which attract immediate interest
Make timely payments to maximise interest-free benefits
Opt for revolving credit by paying only the Minimum Amount Due (MAD):
Pay as low as the MAD to keep your account in good standing
Interest charged on remaining outstanding balance
Refer to Fees and Charges section for applicable interest rates
Cashback credited to your account does not expire as long as your card remains active and in good standing. Maintain regular card usage and timely payments to keep your account active.
The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice. The terms and conditions of Axis Bank Freecharge Plus Credit Card were updated with effect from 20th June, 2025.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹350 + GST (~₹413) | One-time charge when the card is issued. First year fee. |
| Annual Fee | ₹350 + GST (~₹413) | Charged every year from second year onwards. Waived on spending ₹50,000 in preceding card anniversary year. |
| Add-on Card Fee | Free | No charge for add-on cards for family members. |
| Interest Rate (APR) | 3.75% per month (45% annually) | Applicable on outstanding balances when full payment is not made by due date. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions. Converted to USD first for non-USD transactions, then to INR. |
| Cash Advance Fee | 2.5% of transaction amount (minimum ₹500) | Charged on ATM cash withdrawals and cash advances. |
| Cash Advance Interest | 3.75% per month | Interest charged from transaction date with no interest-free period. |
| Overlimit Penalty | 2.5% of overlimit amount (minimum ₹500) | Charged when spending exceeds approved credit limit. |
| Payment Return Charges | 2% of payment amount (minimum ₹500, maximum ₹1,500) | Charged when payment via cheque/NACH/auto-debit is returned or reversed. |
| Late Payment Charges | ₹500 - ₹1,300 (based on outstanding) | Up to ₹500 outstanding: Nil; ₹501–₹5,000: ₹500; ₹5,001–₹10,000: ₹750; Above ₹10,000: ₹1,300 |
| Additional Late Payment Penalty | ₹100 per billing cycle | Applied if MAD not paid for two consecutive billing cycles; continues until MAD is cleared. |
| Cash Payment Fee | ₹100 per transaction | Charged for cash payments at Axis Bank branches or ATMs. |
| Railway Ticket Surcharge | As prescribed by IRCTC / Indian Railways | Charges as per government norms; typically refunded after transaction completion. |
| Rent Transaction Fee | 1% of rent amount (maximum ₹1,500) + GST | Applicable on rent payment transactions when made outside Freecharge. |
| Balance Transfer Processing Fee | As per bank's balance transfer scheme | Varies based on transfer amount and tenure. |
| Dynamic Currency Conversion Markup | 1.5% + GST | Charged when opting for DCC at international locations. |
| GST on Fees | 18% | Applicable as per Government of India regulations on all fees and charges. |
| Criteria | Details |
|---|---|
Age | Primary cardholder must be between 21 and 70 years |
Citizenship | Must be a Resident of India |
Income | Stable source of income (salaried or self-employed); minimum income criteria as determined by bank |
Credit Score | Good CIBIL/credit score (ideally 700+) recommended for approval |
Employment | Salaried employees, self-employed professionals, or business owners |
Banking Relationship | Open to Axis Bank customers and Freecharge users (invite-only basis) |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address / Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Utility Bill (electricity / telephone / gas – not older than 3 months), Bank Statement |
| Income Proof | For Salaried: Latest 3 months' salary slips, Bank statements (last 6 months), Form 16. For Self-Employed: Income Tax Returns (last 2 years), Bank statements (last 6 months), Business proof, Financial statements |
| PAN Card | Mandatory for all credit card issuances as per RBI guidelines |
| Photograph | Recent passport-size photographs (2-3 copies) |
| Usage Tips | Details |
|---|---|
Maximise Freecharge Cashback | Route all your utility bill payments, mobile recharges, and digital transactions through the Freecharge app to earn 5% cashback. This includes electricity, gas, water, broadband, DTH, postpaid mobile, and even credit card bill payments. |
Daily Commute Savings | Use the card for all Ola and Uber bookings to earn 2% cashback. Link the card in both apps as your primary payment method to ensure automatic cashback on every ride. |
Wednesday Windfall | Schedule your travel bookings for Wednesdays to avail up to 15% instant discounts on flights and hotels via MakeMyTrip and Goibibo. Similarly, place Swiggy and Amazon Fresh orders on Wednesdays for 10% off. |
Dining Rewards | Use the Dining Delights Programme and EazyDiner platform for restaurant reservations and payments to save up to ₹500 on dining bills. Book in advance for premium restaurants. |
Track Cashback | Regularly check your cashback earnings through monthly card statements or the Axis Bank mobile app. All cashback is credited within 90 days and appears as statement credit. |
Strategic Spending | Focus spending on eligible categories that earn cashback. Avoid excluded categories like fuel (use a dedicated fuel card instead), wallet loads, and cash withdrawals which don't earn rewards. |
Virtual Card Benefits | Use the virtual card for all online transactions for enhanced security. Store the card details securely in the Freecharge app and use the 'View Card Details' feature in Axis Bank Mobile App as needed. |
Fee Waiver Planning | Track your annual spending to ensure you cross ₹50,000 by your card anniversary to qualify for the annual fee waiver. Spread large eligible purchases across the year. |
Set Up Payment Alerts | Enable SMS and email alerts for all transactions to monitor spending in real-time and prevent fraud. Set up automatic payment reminders before due dates. |
Pay in Full | Always pay your full outstanding amount by the due date to enjoy the interest-free period of up to 50 days and avoid hefty interest charges of 3.75% per month. |
Credit Utilisation | Keep your credit utilisation below 30% of your credit limit for optimal credit score maintenance. Request limit enhancement from Axis Bank if you need higher spending capacity. |
International Usage | The card is globally accepted on Visa/Mastercard networks. However, be mindful of the 3.5% + GST foreign currency markup. Consider a travel-focused card for frequent international trips. |
Avoid Cash Advances | Never use your credit card for cash withdrawals as they attract immediate interest of 3.75% per month plus a 2.5% cash advance fee (minimum ₹500). |
Physical Card Option | If you prefer having a physical card for offline transactions or peace of mind, request one through the Axis Bank mobile app or customer care. |
Secure Your Card | Never share your card details, CVV, or OTP with anyone. Use secure payment methods and networks. Report card loss immediately to customer care at 1860 419 5555. |
The Axis Bank Freecharge Plus Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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