Axis Bank
Axis Bank Freecharge Plus Credit Card
Data last verified: 24 October 2026
- Joining fee₹350 + GST
- Annual fee₹350 + GST
- Reward rate1% on most spends; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹350 + GST
- Annual fee₹350 + GST
- Fee waiverOn ₹50,000 spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
01Axis Bank Freecharge Plus Credit Card Rewards and Benefits
02Axis Bank Freecharge Plus Credit Card Annual Fee and Charges
- Joining fee
- ₹350 + GST
- Annual fee
- ₹350 + GST
- Spend-based waiver
- Annual fee waived on ₹50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Utility bills only at Freecharge app, recharges and bill payments: 5% back
- Travel only at Taxis, bus lines, suburban transport and car rental: 2% back
- Spending ₹4,167 or more a month: the ₹413 fee is waived
Skip it if…
- you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹413 fee is then charged
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Freecharge app, recharges and bill payments: the 5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How Axis Bank Freecharge Plus Credit Card earns Rewards
1% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 2% | No cap | Only at: Taxis, bus lines, suburban transport and car rental (MCC 4111/4121/4131/7512), incl. Ola and UberTerms: 2% cashback on local commute. Axis pays it on MCCs 4121, 4131, 4111 and 7512, taxis and limousines, bus lines, local and suburban commuter transport, and car rental, not only Ola and Uber |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | Anywhere else in the category |
| Bills and recharges, only at listed merchants | 5% | No cap | Only at: Freecharge app, recharges and bill paymentsTerms: 5% cashback on on-deck Freecharge app recharges and bill payments. Transactions under ₹100 do not earn, and cashback is rounded down per transaction. Axis publishes no monthly cashback cap |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% cashback on other eligible spends; transactions under ₹100 do not earn
05Axis Bank Freecharge Plus Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
06Axis Bank Freecharge Plus Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
07Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
| 28 Aug 2026 | Reduced: New top late-payment slab of Rs 1,300 above Rs 50,000Source: Axis Bank | ₹1,200 on any total payment due above ₹10,000 | ₹1,200 from ₹10,001 to ₹50,000; ₹1,300 above ₹50,000 |
| 28 Aug 2026 | Reduced: Tolls and road fees stop earning rewards; gift cards split into their own categorySource: Axis Bank | Bridge fees, road fees and tolls earned at the normal rate | No rewards or cashback on bridge fees, road fees and tolls |
| 20 Jun 2025 | Changed: Exclusion identification switched from MCC codes to spend categorySource: Axis Bank | Excluded categories (Rent, Wallet, Utility outside Freecharge, etc.) identified by 4-digit Merchant Category Code | Same categories identified by spend-category label instead of MCC |
| 20 Dec 2024 | Reduced: Bank-wide charges revision: finance charge, DCC markup and new fees raised | 3.6% a month finance charge; 1% DCC markup; ₹100 branch cash-payment fee; no wallet/fuel/utility spend surcharge | 3.75% a month finance charge; 1.5% DCC markup; ₹175 branch cash-payment fee; new 1% surcharges on high wallet-load/fuel/utility spends; new auto-debit-reversal and EDGE-linked fees |
See this card's change history → · All card changes in August 2026 →
08Cards Similar to Axis Bank Freecharge Plus Credit Card
Axis Bank Freecharge Plus Credit Card is a utility bills card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Freecharge Plus Credit Card |  HSBC Live Plus Credit Card |  HDFC Bank UPI RuPay Credit Card |
|---|---|---|---|
| Joining fee | ₹350 + GST | ₹999 + GST | ₹99 + GST |
| Annual fee | ₹350 + GST | ₹999 + GST | ₹99 + GST |
| Rewards | 1% on most spends; 5% only at partner merchants | 1.5% base, up to 10% on dining | 0.25% base, up to 0.75% on groceries |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Utility bills | Dining | Grocery |
09Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Axis Bank Freecharge Plus Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the Axis Bank Freecharge Plus Credit Card?
The joining fee is ₹350 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Freecharge Plus Credit Card?
The annual fee is ₹350 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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