Axis Bank FreeCharge Plus Credit Card Review

Axis Bank has some very useful invite-only credit cards in their credit cards list and the axis bank freecharge plus credit card is one of them. This axis freecharge card is exclusively available for some selected freecharge users. At an annual fee of just Rs.350, this axis virtual credit card lets you enjoy attractive deals on online expenses, cashback on everyday transactions, huge discounts on dining expenses, and lots more. A detailed description of the axis bank credit card benefits is given below.

What is the eligibility for axis bank credit card?

 This is an invite-only credit card, the eligible axis credit card customer will get an invitation for the freecharge axis card

  • Resident Type: Indian.
  • Axis bank credit card eligibility for salaried person:
    • Age: 18 to 60 yrs. 
    • Income: This is an invite-only card, only the customers who got the invitation can apply for this freecharge axis credit card
  • Axis bank credit card eligibility criteria for self-employed person:
    • Age: 18 to 70 yrs. 
    • Income: This is an invite-only card, only the customers who got the invitation can apply for this freecharge virtual card.
  • A good CIBIL score (750 or more) is required to apply for this axis bank freecharge card.
  • The applicant needs to have an active freecharge account.

As you submit your axis bank credit card application, you will get a unique axis bank credit card application id. You can later use that id to track axis bank credit card application status. If you want to know about the application process, then you can get some help from our faq page.

What documents are required to apply for an axis bank credit card?

  • 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)
      • Latest salary slip (3 months) 
      • ITR (Income Tax Return) 
    • Self-employed person
      • Latest income tax return.  
      • Proof of business
      • Recent audited financial report.

As per the new credit card rules and regulations, all new axis bank credit cards are now delivered in an inactive state. So, if you want to know how to activate axis credit card for the first time? then feel free to take a look at our faq page.

What are the axis freecharge credit card fees?

  • Freecharge plus credit card joining fee: Rs. 350 + GST 
  • Axis bank freecharge plus credit card annual fee:Rs. 350 + GST (from the second year onwards) 

What are the axis bank freecharge plus credit card benefits

  • A huge axis credit card joining bonus to welcome you:

With the issuance of the freecharge axis bank credit card, you will receive gift vouchers worth Rs.700 from top brands as a welcome gift. You will receive those freecharge vouchers within the first 30 days of your axis card activation.

  • Attractive axis bank credit card cashback offers:

This axis bank virtual credit card offers exclusive cash backs on your regular credit card usage. The freerecharge cashback benefits are offered like this 

Total Cashback

Transaction type

5% Cash-Back On each transaction made on the freecharge mobile app 
2% Cash-Back On every axis credit card online payments made on local commute
1% Cash-Back On other spending made with this axis virtual credit card

You can keep track of your axis bank credit card status from your axis credit card app.

  • Dine with more delight:

Under the axis dining delight program, the axis bank freecharge credit card offers you up to a 20% discount on your dining bill at some selected restaurants in India

  • Turn your card into an axis bank lifetime free credit card:

On spending Rs. 50,000 with your axis bank platinum credit card within a year, you can get a complete waiver on your next year’s axis bank credit card annual charges

So, if you want to keep using your axis bank credit card with no annual fee, then you just have to keep spending Rs.50,000 per year.

  • Instant axis credit card bill payment options:

You can pay your axis credit card bill online from your axis credit card net banking account or from any credit card payment app like cred credit card payment app, Paytm, Phone Pe, Google Pay, etc. 

Also, if you are uncomfortable with the online axis bank payment option, then make sure to visit our faq page to know how to pay axis credit card bill offline.

  • Your perfect travel companion:

This axis bank visa platinum credit card is accepted worldwide, you can use this axis visa credit card in over 200 countries across the globe. 

International transactions are generally turned off in new axis credit cards. Click here to know how to activate axis bank international credit card transactions. 

What are the axis freecharge credit card charges?

Particulars

Payable amount

Axis credit card cash withdrawal charges 2.5% against the withdrawal amount, min Rs.250 (check your available axis bank freecharge credit card limit before making a withdrawal) 
Axis bank credit card finance charge. The axis credit card interest rate is 3.4% monthly (applicable if your axis bank credit card payment is not made within the due date)
Axis bank credit card charges on foreign currency transactions. 3.5% against the transaction amount. 

How to contact the customer care of axis bank credit card?

  • Call the customer care no of axis bank credit card: 1860-419-5555 / 1860-500-5555 or 040-67174100 
  • Write to the axis bank credit card customer care email addresscreditcards@axisbank.com

100xGain Ratings:

7/10

Pros and cons of the freecharge plus axis bank credit card:

Pros 

Cons

  • This freecharge credit card offers some handsome cashbacks on your daily expenses.
  • You will get a huge discount on dining expenses.
  • A majority of freecharge cashback offers are applicable only if the transaction is made through the freecharge app.

Final Opinion:

This axis bank freecharge plus credit card is best suited for online usage. With exclusive cashback on every transaction and a huge discount on dining expenses, this freecharge axis bank card can offer you some handsome savings every month. 

But there are some limitations with this freecharge credit card. First, it is an invite-only credit card, and second, the majority of cashback is offered only on transactions made through the freecharge online app. So if you want to explore some more credit card options then take a look at the alternative card options given below.  

Alternative of the Axis bank freecharge card: 

  1. American Express Gold Credit Card. (Best for reward points and dining benefits) 
  2. American Express Platinum Reserve Credit Card. (Best for lounge access and dining benefits) 
  3. ICICI Bank Amazon Pay Credit Card. (Best for cashback and dining benefits) 
  4. Standard Chartered Manhattan Platinum Credit Card. (Best for cashback and travel benefits) 

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