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Axis Bank FreeCharge Plus Credit Card

by Kshitiz V Sharma on

The Bottom Line

Axis Bank FreeCharge Plus Credit Card
Great for FreeCharge Customers

5% unlimited cashback on FreeCharge spends, 2% cashback on transport and 1% cashback on all other spends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 1.9% 1.8% 1.7% 1.5% 1.4%
Est. Monthly Reward (₹) 95 180 330 735 1,375
All-India Rewards Rank* 6 11 25 55 62
Within Bank Rank* 2 3 9 9 10
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The Axis Bank FreeCharge Plus Credit Card offers 5%unlimited cashback on FreeCharge spends, 2% cashback on local commute and 1% cashback on all other spends.

We estimate this card has a net reward yield of 1.4-1.9% on all spends with the card in a month, making it an average card for Axis Customers.

The ACE Credit Card is the best credit card from Axis Bank for nearly everyone else. We estimate most people will get net reward yield of 2.3% using this card for all their spend.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card Axis Bank FreeCharge Plus Credit Card
Card Type Cashback
Cashback Features 5% Cashback on FreeCharge

2% Cashback on Transport

1% Cashback on all other spends

Milestone Rewards Nil
Other Rewards – 20% off at partner restaurants with Axis Bank Dining Delights
Rewards Redemption Fee Nil
Cashback Caps Unlimited
Preferred Redemption Method Cashback against statement balance


Fees & Charges

Card Axis Bank FreeCharge Plus Credit Card
Joining Fee ₹350 + Taxes
Annual Fee ₹350 + Taxes
2nd Year onwards
Min. Annual Credit Card Spend
for Fee Waiver
₹50,000
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 49.36%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹300

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