Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Axis Bank Freecharge Plus Credit Card

    The Freecharge Plus Credit Card by Axis Bank in partnership with Freecharge is a card which is meant to streamline all your payments of utility bills, daily commute expenses, etc. The card comes with a host of features where you get cashback on your spends along with gift vouchers from brands, on activation. The Axis Bank Freecharge Plus Credit Card comes with a joining fee of Rs.350 and finance charges of 3.4% per month.

    Key Highlights of the Axis Bank Freecharge Plus Credit Card

    • Gift vouchers on card activation.
    • Waiver is given on the annual fee of the card.
    • Cashback is given on every transaction made.
    • Subscription to the Dining Delights Program.

    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
    • On activation, get a voucher of Rs.350 from Myntra.
    • Also, a voucher worth Rs.350 is given by Big Basket.
    Spend-Based Benefits
    • Annual fee of Rs.350 is waived off if yearly spends exceed Rs.50,000.
    Cashback Benefits
    • 5% cashback given on all spends made on Freecharge.
    • 2% cashback will be given on Ola/Uber spends.
    • 1% cashback on all other spends.
    • 1% cashback on an additional category of ‘Other Spends’ between 13 October and 12 March.
    Dining Benefits
    • Get a discount of up to 20% with the Dining Delights Program at all partner restaurants.

    Axis Bank Freecharge Plus Credit Card Fees and Charges

    Type of Fee Amount
    Annual fee Rs.350 (Waived if annual spends exceed Rs.50,000).
    Joining fee Rs.350
    Finance charges 3.4% per month
    Duplicate statement fee Waived
    Card replacement fee Rs.100
    Cash payment fee Rs.100
    Outstation cheque fee Waived
    Charge slips retrieval fee Waived
    Late payment fee

    If the total payment due is:

    Up to Rs.300 - Nil

    Between Rs.301 and Rs.500 - Rs.100

    Between Rs.501 and Rs.1,000 – Rs.500

    Between Rs.1,001 and Rs.10,000 – Rs.750

    Between Rs.10,001 and Rs.25,000 – Rs.950

    Between Rs.25,001 and Rs.50,000 – Rs.1,000

    More than Rs.50,000 – Rs.1,200

    Cheque return fee 2% of the payment amount (Minimum of Rs.450)
    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

    Eligibility Criteria for the Axis Bank Freecharge Plus Credit Card

    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 Driving License Passport
    Salary Slip Voter ID Voter ID
    - - Ration Card

    Axis Bank Freecharge Plus Credit Card FAQs

    1. When will I receive the gift vouchers from Big Basket and Myntra?

      Once the credit card application is approved, the credit card will be sent to you. Once the card is activated, the vouchers will be sent to you.

    2. Is the Axis Bank Freecharge Plus Credit Card equipped with contactless technology?

      Yes, the Axis Bank Freecharge Plus Credit Card is enabled with a chip as well as WIFI-enabled which allows it to pay by just a touch on the machine.

    3. When will I receive my credit card once my application is approved by Axis Bank?

      It takes up to 14 business days for your Axis Bank Freecharge Credit Card to reach your registered address.

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