Axis Bank FreeCharge Credit Card Review

Axis bank has several credit cards of different categories in their basket, and the axis bank freecharge credit card is one of them. It is a co-branded, invite-only, virtual credit card , specially designed to offer benefits to those who use the freecharge app. Although it is a virtual credit card , you can get a physical copy of it very easily.

This freecharge credit card has some very interesting benefits and features like cashback and reward benefit, EMI conversion facility, the security of EMV chip. Again it is a virtual credit card that minimizes the chances of loss and theft. Now let’s discuss the benefits of the axis bank virtual card in detail and see how much benefit it does actually offer. 

Eligibility for credit card in axis bank:

**The axis bank freecharge credit card is an invite-only credit card, only those who have got the invitation can apply for this card. 

  • Resident Type: Indian.
  • For salaried person: 
    • Age: 18 to 70 yrs. 
    • Required minimum salary for credit card application: This is an Invite-only credit card, the eligible customer will see a banner on their FreeCharge App. 
  • For self-employed person:
    • Age: 18 to 70 yrs. 
    • Required minimum salary for credit card application: This is an Invite-only credit card, the eligible customer will see a banner on their FreeCharge App.
  • Good relation with the bank. 
  • Required cibil score for credit card application: 780 or more.

Visit our FAQ page to know how to check credit card application status in axis bank website.

Required Documents for axis bank freecharge credit card application:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of the last 3 months 
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

Visit our FAQ page to know how to activate axis bank credit card online for the first time. The axis bank credit card activation process is discussed there. 

Axis bank freecharge credit card fees:

  • Joining Fee: Rs. 250 + GST
  • Freecharge axis bank credit card annual fee : The axis bank freecharge credit card annual fee is just Rs. 250 + GST

Freecharge axis credit card benefits:

  • Axis credit card cash back benefit: 

This freecharge axis bank credit card offer a  10% Cash-Back on your online shopping with credit card at Myntra and a discount of up to Rs. 120 on Freshmenu per credit card billing cycle

This freecharge axis credit card also offers up to 50% off on an annual subscription to Eros Now. You will also get up to Rs. 100 credit every month on Shuttl. 

  • Axis credit card reward point benefit:

With this freecharge axis card you can earn reward points from every purchase you make with your card. You can also redeem your earned axis bank rewards point very easily against several categories available in the axis bank credit card reward point catalog. 

  • Axis freecharge card milestone benefits:

On this virtual credit card axis bank offers some bonus reward points too if you can spend Rs. 2000 to Rs. 4999 in a month then will get 100 bonus credit card rewards points . And if you can spend Rs. 5000 or more then you will get 350 (100 + 250) bonus points.

  • Freecharge virtual credit card:

Axis Bank FreeCharge credit card is an almost free virtual credit card , there are several benefits of a virtual credit card , you can shop online more easily with them, you can manage your subscription more conveniently, and also there is no chance of losing a Virtual credit card. And if you want to have a physical copy of your axis bank virtual credit card , you can apply to your bank for one.  

  • Ability to convert credit card bill to emi:

With this axis bank freecharge card , you can convert any purchase over Rs. 2500 into EMI, this feature is very helpful for high-value purchases. You can convert your purchase into EMI using the axis bank credit card mobile app .

  • EMV chip card:

This axis visa comes with a built-in EMV chip, this chip is specially designed to add more convenience and security to your credit card transactions . If you notice something suspicious with your axis bank credit card account , you can block it temporarily by calling the axis bank credit card toll free customer care number. 

 Axis freecharge credit card charges:

Particulars  Payable amount
charges for cash withdrawal from credit card 2.5% against the withdrawal amount (min Rs. 250)
finance charge on credit card 3.4% monthly. 
Foreign currency transaction 3.5% against the transaction amount.

Credit card axis bank customer care contact details:

axis credit card toll free no : 1860-419-5555 / 1860-500-5555 or 040-67174100

axis credit card mail id creditcards@axisbank.com

100xGain Ratings:

7/10

If you don’t want to use your card anymore then visit our FAQ page to know how to surrender axis bank credit card permanently. 

Final Opinion:

Being an invite-only credit card, axis bank freecharge credit card is not available for all, but if you got the invitation for the card you should go for this card as this can earn big benefits from your online spending. It offers a 10% discount on Myntra, up to Rs. 120 discount on Freshmenu, and 50% off on annual subscription of Eros Now, and reward points on daily spends, and lots more. 

But if you are looking for premium benefits like lounge access or travel benefit, you will be disappointed with this card. In this case, you should take a look at the alternative card options given below.

Alternative Cards: 

  1. AU Small Altua Plus. (Best for cashback and reward point) 
  2. Bank Of Baroda Prime Credit Card. (Best for cashback and reward point)
  3. Indusind Bank Gold Credit Card. (Best for earning reward points)
  4. Standard Chartered Platinum Rewards Credit Card. (Best for cashback and dining) 

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