Axis Bank Freecharge Plus Credit Card

Axis Bank · Closed to new applicants

Freecharge's cashback card: 5% on spends made through the Freecharge app, 2% on local commute (Ola, Uber) and 1% on everything else, with no cap stated. ₹350 fee after a free first year, waived at ₹50,000 of spend. Offered by invitation in the Freecharge app; no fuel surcharge waiver.

Annual fee
₹350 + GST a year
Joining fee
₹350 + GST
Fee waiver
Annual fee waived on ₹50,000 spend per card year
Base rate
1% cashback on all other spends: 1% cashback (about 1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 23 Oct 2026

Main earn rates

  • 5% cashback on spends made through the Freecharge app: 5% cashback (about 5% at cash value)
  • 5% cashback on bills and recharges paid in the Freecharge app: 5% cashback (about 5% at cash value)
  • 2% cashback on local commute (Ola, Uber): 2% cashback (about 2% at cash value)

Earns nothing on

  • No cashback on wallet loads, fuel, cash advances, jewellery, government, insurance, education, gift cards, EMI, rent, and utility and telecom bills paid outside the Freecharge app
  • No cashback on bridge, road and toll fees

Terms the calculator does not value

  • The 5% needs the payment made through the Freecharge app on Freecharge's merchant IDs. The calculator values utilities and telecom at 5% only with the Freecharge route switched on (nothing otherwise) and has no line for other Freecharge purchases.
  • The card may be offered only by invitation in the Freecharge app. The T&C applies a ₹100 minimum per transaction; the calculator applies it at each spend line's typical payment.

Sources

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