Axis Bank 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 / Rs 200 spent
BOBCARD SELECT
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 / Rs 100; Other eligible spends: 1 Reward Point / Rs 100
| Feature | Axis Bank Freecharge Credit Card | BOBCARD SELECT |
|---|---|---|
| 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 / Rs 200 spent | Dining, utility bills, and online spends: 5 Reward Points / Rs 100; Other eligible spends: 1 Reward Point / Rs 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 Rs 7,500 within first 60 days, Annual fee waiver on spending Rs 70,000 in a year |
| Redemption | Air miles: upto Rs 0.1 per point; Statement credit: upto Rs 0.2 per point | Statement credit: upto Rs 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 |