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
SELECT Credit Card
Rs 750Annual fee
Rs 70,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Dining, Utility Bills, Low Fee
Top rewards
Dining, Utility Bills, And Online Spends: 5 Reward Points / ₹100; Other Eligible Spends: 1 Reward Point / ₹100
| Feature | Freecharge Credit Card | SELECT Credit Card |
|---|---|---|
| Issuer | Axis Bank | Bank of Baroda |
| Network | Visa | Visa |
| Joining fee | Rs 250 | Rs 750 |
| Annual fee | Rs 250 | Rs 750 |
| Fee waiver spend | - | Rs 70,000 |
| Reward type | EDGE Reward Points | Reward Points |
| Best for | Freecharge, Low Fee, Online, Monthly Milestones, EDGE Rewards | Online, Dining, Utility Bills, Low Fee |
| Top reward categories | Eligible Spends: 1 EDGE REWARD Point / ₹200 spent | Dining, Utility Bills, And Online Spends: 5 Reward Points / ₹100; Other Eligible Spends: 1 Reward Point / ₹100 |
| 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 | First year fee reversal on spending ₹7,500 within first 60 days, Annual fee waiver on spending ₹70,000 in a year |
| Redemption | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.2 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | fuel transactions do not earn reward points, accelerated reward points are subject to monthly cap, taxes and charges excluded as per BOBCARD terms |