Axis Bank
Freecharge Plus Credit Card
SimplifyCards take:A good fit if you want a card built for freecharge, local commute, and dining, and you want your rewards as simple, no-tracking cashback
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Best for simple cashbackBest for
5% Cashback on bill payments and recharges via Freecharge app on freecharge app spends, auto-credited with no points to manage
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Avoid for heavy international useWatch out
A 3.5% forex markup is on the higher side for overseas spends
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Good fit if you want a card built for freecharge, local commute, and dining, and you want your rewards as simple, no-tracking cashbackBottom line
It combines accelerated rewards on freecharge app spends and milestone rewards
Estimate your Cashback
Adjust your monthly spend to see the card's estimated annual value
How the card works
Cashback rates
| Category | Rate |
|---|---|
| Freecharge App Spends | 5% Cashback on bill payments and recharges via Freecharge app |
| Local Commute Spends | 2% Cashback on local commute spends (Ola, Uber, etc.) |
| Other Eligible Retail Spends | 1% Cashback on other eligible spends |
Redemption
Statement balanceupto ₹ 1 per point
Important conditions
1
Fee waiverRenewal fee waived on annual spends of ₹ 50,000
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- First-year annual fee is nil; second year onward annual fee is ₹350
- Dining benefits through Axis Bank dining programme
- Convert transactions of ₹2,500 or more into EMI
Latest Updates
Recent changes to this card
Axis Bank revised DCC markup and gift card rewards28 Aug 2026
- Effective 28 August 2026, Axis Bank has increased the Dynamic Currency Conversion (DCC) markup to 3.5% for most Axis credit cards
- Additionally, gift card purchases are excluded from earning reward points/cashback and no longer count towards spend-based fee waivers or milestone benefits
- Tolls and FASTag spends will also cease earning rewards
Eligibility
Check this before you apply
Salaried
- Age: 18 to 70 years
- Resident of India
- Apply digitally via the Freecharge app (invite-only rollout)
Self-employed
- Age: 18 to 70 years
- Resident of India
- Apply digitally via the Freecharge app (invite-only rollout)
Exclusions
Spending that does not earn cashback
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Utilities and telecom spends made outside Freecharge app
- Government services spends
- Educational institution payments
- Online skill-based gaming spends
- Transactions excluded under Axis Bank Freecharge Plus Credit Card terms
- Gift cards
- Tolls and FASTag
Compare before you decide
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