Freecharge Credit Card
Rs 250Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Freecharge, Low Fee, Online, Monthly Milestones, EDGE Rewards
Top rewards
Eligible Spends: 1 EDGE REWARD Point / ₹200 spent
Freecharge Plus Credit Card
Rs 350Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Freecharge, Cashback, Local Commute, Dining, Low Fee
Top rewards
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
| Feature | Freecharge Credit Card | Freecharge Plus Credit Card |
|---|---|---|
| Issuer | Axis Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | Rs 250 | Rs 350 |
| Annual fee | Rs 250 | Rs 350 |
| Fee waiver spend | - | Rs 50,000 |
| Reward type | EDGE Reward Points | Cashback |
| Best for | Freecharge, Low Fee, Online, Monthly Milestones, EDGE Rewards | Freecharge, Cashback, Local Commute, Dining, Low Fee |
| Top reward categories | Eligible Spends: 1 EDGE REWARD Point / ₹200 spent | 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 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Annual fee waived on spends of ₹50,000 in the preceding card anniversary year, excluding rent and wallet load transactions |
| Redemption | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.2 per point | Statement credit: upto ₹ 1 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends made outside Freecharge app, Government services spends |