Axis Bank Freecharge Credit Card
An invite-only Visa card for Freecharge app users earning 1 EDGE REWARD Point per ₹200 (points valued at ₹0.20, about 0.1%), with bonus points at ₹2,000 and ₹5,000 of monthly spend; ₹250 a year from the second year. 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.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹250 plus GST Product page |
|---|---|
| Annual fee | ₹250 plus GST Product page |
| Annual fee waiver | None on record |
| 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 ₹250 annual fee from the second year. Rent and wallet loads do not count towards the annual fee waiver, but no waiver threshold is published. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| Eligible spends | 1 point per ₹200 Terms | no cap on record |
Monthly bonus: 100 EDGE REWARD Points for spending ₹2,000 to ₹4,999 in a month, 350 for ₹5,000 or more. Points are redeemed on Axis Bank's EDGE REWARDS portal (₹99 a redemption; ₹199 to transfer to partner loyalty programmes). The MITC lists the Freecharge cards among those with no fuel surcharge refund.
No rewards on
- Rent, wallet loads and fuel (also gold and jewellery, financial institutions, cash and repayments) Terms
Benefits
- Lounges: none on record
- Milestone: 100 EDGE REWARD Points for spending ₹2,000 to ₹4,999 in a month (about ₹20 at ₹0.20 a point) Product page
- Milestone: 350 EDGE REWARD Points in all for spending ₹5,000 or more in a month (about ₹70 at ₹0.20 a point) Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- Bonus 100 EDGE REWARD Points at ₹2,000 of monthly spend and 350 at ₹5,000 Product page
- Virtual card issued instantly in the Freecharge app Product page
- Wednesday Delight: up to 15% off flights and hotels on Goibibo and 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 spend needed for the annual fee waiver
- a RuPay variant for UPI
- eligibility criteria (the card is offered by invitation in the Freecharge app)
- a welcome benefit
- a rupee value for this card’s EDGE REWARD Points (the MITC’s ₹0.20 is a worked example it says may vary by card)
Where Axis Bank’s documents differ, and what is used
- Earn rate: the product page says only that you get 1 EDGE REWARD Point; the per-₹200 basis is from Axis Bank's card listing.
The quotes behind the figures
17 figures, each copied from an official Axis Bank document.
Show every quote and source
“Joining Fee ₹250 Annual Fee 1st Year: Nil 2nd Year: ₹250”
“Foreign currency transaction fee 3.5% of the transaction value”
“Axis Bank Freecharge Credit Card Compare Now get a virtual card instantly on your Freecharge App 1 EDGE REWARD Points for every ₹200 spent”
“You get 1 EDGE REWARD Point which you can use to redeem 500+ options”
“o For reward earn: Transactions made on Rent, Wallet load, Gold & Jewellery, Fuel, Financial Institutions, Cash advances and Repayments”
“AXIS BANK FREECHARGE Credit Card 250 250 Nil”
“this conversion value may vary for different card variants”
“Rent Transactions and wallet load transactions will not be eligible for spends counted in availing annual fee waiver”
“A fee of ₹199 will be levied for each instance of conversion/transfer of EDGE REWARD points or EDGE Miles to other miles partner loyalty programs.”
“A reward redemption fee of ₹99 will be levied for each redemption transaction of EDGE REWARD points or EDGE Miles on the EDGE portal.”
“₹2000 to ₹4999 100”
“₹5000 and above 350 (100 + 250)”
“Spends per month EDGE REWARD Points 0-₹1999 0 ₹2000 to ₹4999 100 ₹5000 and above 350 (100 + 250)”
“Available instantly on Freecharge App to eligible customers”
“Instant savings of up to 15% on flights & hotels via Goibibo and Makemytrip”
“Eligibility & Documentation - Axis Bank Freecharge 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.”
“Card Platform Visa Platinum”
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