Axis Bank Freecharge Plus Credit Card
An invite-only cashback card for Freecharge app users: 5% on spends through the Freecharge app, 2% on Ola and Uber rides, 1% elsewhere with no cap stated; the ₹350 fee is waived at ₹50,000 of yearly spend. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Invite-only: offered to eligible Freecharge app users through a banner in the Freecharge app; Axis Bank's card listing shows no Apply Now for it.
Fees and charges
| Joining fee | ₹350 plus GST Product page |
|---|---|
| Annual fee | ₹350 plus GST Product page |
| Annual fee waiver | On ₹50,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Fees are plus GST. The product page charges the ₹350 annual fee from the second year. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| All other eligible spends | 1% cashback Product page | no cap on record |
Paid as cashback credited to the card account by the 8th of the month after the statement.
Spends made through the Freecharge app (including bills and recharges paid there) earn 5% and Ola and Uber rides earn 2%; CardWise counts bills under the exclusion for bills paid outside Freecharge. Transactions under ₹100 earn nothing. The MITC lists the Freecharge cards among those with no fuel surcharge refund.
No rewards on
Benefits
- Lounges: none on record
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 5% cashback on spends through the Freecharge app, including bills and recharges paid there Terms
- 2% cashback on local commute (Ola, Uber and transit, by merchant category) Terms
- Axis Bank Dining Delights discounts at partner restaurants Product page
- Wednesday Delight: up to 15% off flights and hotels on MakeMyTrip Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by Axis Bank in the documents read
- the card network
- a RuPay variant for UPI
- eligibility criteria (the card is offered by invitation in the Freecharge app)
- a welcome benefit for cards issued from 4 January 2023
Where Axis Bank’s documents differ, and what is used
- Annual fee: Axis Bank's card listing shows an annual fee of ₹NIL, while the product page (₹350 from the second year) and the MITC (₹350, waived on ₹50,000 of spend) charge ₹350. The product page and MITC are used.
The quotes behind the figures
18 figures, each copied from an official Axis Bank document.
Show every quote and source
“Joining Fee ₹350 Annual Fee 1st year : NIL 2nd year : ₹350”
“Annual fee waived off on spending ₹50,000 in the preceding card anniversary year.”
“Foreign currency transaction fee 3.5% of the transaction value.”
“1% cashback on all other spending.”
“Freecharge* 5% Local Commute** 2% Other Spends 1%”
“o For cashback: Transactions made on Utility & Telecom outside Freecharge application, Education, Rent, Wallet load, Government services, Insurance, Gold & Jewellery, Fuel, Financial Institutions, Cash advances, Repayments and Purchase of gift cards.”
“o Wallet Load o Fuel Spends o Cash Withdrawal o Purchase of Gold Items and all types of Jewellery transactions o Government Services o Insurance Services o Education Services o Utility payment outside of Freecharge application o Purchase of Gift Cards o EMI transactions”
“Rental Payments (payment of management fees, rental commissions or any such rent related payments)”
“AXIS BANK FREECHARGE PLUS Credit Card 350 350 (Waived on spends of INR 50000 in the preceding card anniversary year)”
“Rent Transactions and wallet load transactions will not be eligible for spends counted in availing annual fee waiver”
“Cashback is not applicable on transactions less than Rs. 100.”
“**Voucher offer is not applicable for card issued on and after 4th January, 2023.”
“Annual fee waiver on spends of ₹50,000 in preceding card anniversary year Joining Fee: ₹350 Annual Fee: ₹NIL Know More”
“*Valid on on-deck spends done through Freecharge Application”
“**Cashback will be given on select MCCs – 4121, 4131, 4111, 7512 (Ola, Uber)”
“Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.”
“Instant savings of up to 15% on flights & hotels via MakeMyTrip”
“Eligibility for Axis Bank Freecharge Plus Credit Card Axis Bank Freecharge Credit Card is an invite only model, wherein, if the customer is eligible, he/she shall be able to see the banner on their Freecharge Mobile App.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology