Axis Bank FreeCharge Plus Credit Card Review

Axis Bank offers some invite-only credit cards for some of its special customers. The axis bank freecharge plus credit card is one of them. This card is specially designed to offer benefits on online transactions. The exclusive benefits of this card include dining benefits, welcome gifts, annual fee waivers, etc. Let’s analyze the benefits to see if this card is worth applying or not.

What is the eligibility for axis bank credit card ?

 This is an invite-only credit card, the eligible axis credit card customer will see a banner inviting them for the card

  • Resident Type: Indian.
  • axis bank credit card eligibility for salaried person:
    • Age: 18 to 70 yrs. 
    • Income: This is an invite-only card, only the customers who got the invitation can apply for this card. 
  • 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 card.
  • Good CIBIL score (750 or more).

Click here to track axis bank credit card application status

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

Click here to know how to activate axis credit card for the first time? 

Axis freecharge credit card fees:

  • Joining Fee: Rs. 350 + GST 
  • Annual Fee: None for the first year & Rs. 350 + GST

You can pay your axis credit card bill from your axis credit card net banking account. There is also an offline option available. Click here to know how to pay axis credit card bill offline?

Benefits:

The axis bank credit card benefits are discussed below. 

  • Welcome benefit:

With the issuance of the freecharge axis bank credit card , you will receive some gift vouchers as welcome gifts, you will get an Rs. 350 gift voucher from Myntra and another Rs. 350 gift voucher from Big Basket. You will get those vouchers within the first 30 days of your card activation. 

  • Axis bank credit card cash back offers:

This axis bank virtual credit card offers exclusive discounts on your daily credit card usage . the Cash-Back benefits are offered like this 

Total Cashback Transaction type
5% Cash-Back On each transaction made on the FreeCharge app. 
2% Cash-Back On every axis credit card online payment made on Ola, Shuttle, or Uber app.
1% Cash-Back On other spending made with this card.

 

You can earn a maximum of Rs. 500 Cash-Back in an axis credit card billing cycle . You can call the axis bank credit card customer service number for any queries. 

  • Dining benefit:

This axis bank freecharge credit card offers you up to a 20% discount on your dining bill. This offer is only applicable at some selected partner restaurants only. You can check your axis bank credit card balance status from your axis credit card app

  • Annual fee waiver:

You can get a 100% waiver on your annual fees, just spend Rs. 50,000 with this axis bank platinum credit card within the date of your card anniversary and the axis bank credit card annual charges for the next year will be waived off. That means you can use this axis bank credit card with no annual fee for a year. 

  • Virtual credit card:

This axis freecharge credit card is a virtual credit card, there are some additional benefits with virtual credit cards like – Virtual cards are very convenient to use, especially for online shopping, these cards are much safer from credit card fraud . This axis virtual credit card cannot be stolen, etc. 

If you like to have a physical copy in your hand, you can also apply for one. Click here to know how to block axis bank credit card temporarily? 

  • Global acceptance: 

This axis bank visa platinum credit card is accepted worldwide, you can use this card at any outlet or store where the Visa Cards are accepted. 

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

Credit card charges axis bank:

Particulars Payable amount
Finance charge. The axis credit card interest rate is 3.4% monthly.
Foreign currency transaction charge. 3.5% against the transaction amount. 

Customer care of axis bank credit card contact details:

Customer care no of axis bank credit card: 1860-419-5555 / 1860-500-5555 or 040-67174100 

Axis bank credit card customer care email address: [email protected]

100xGain Ratings:

2.5/10

Final Opinion:

This axis bank freecharge plus credit card is best for earning Cash-Back benefits. It is a low-budget credit card, that offers various benefits including up to 5% Cash-Back on spends, up to 20% discount on dining bills, annual fee waiver, and lots more. In fact, at an annual fee of just Rs. 350, it is not a bad deal. So if you want an entry-level credit card then this card will be a good option for you. 

But there are some limitations with this card, you can only earn a maximum of Rs. 500 Cash-Back in a month and there is no Cash-Back or reward benefit on FreeChare wallet load. So if you want to explore some more credit card options then take a look at the alternative card options given below.  

Alternative Cards: 

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

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