| Axis Bank FreeCharge Credit Cards Rating |
| Reward Points ★★★ Cashback ★★★ Welcome Bonuses ★★★ Annual Fee ★★★★ Offers & Discounts ★★★ |
| Paisabazaar’s Rating ★★★ |
Axis Bank FreeCharge Vs Axis Bank FreeCharge Plus
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Axis Bank FreeCharge (Rewards Credit Card) |
Axis Bank FreeCharge Plus (Cashback Credit Card) |
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Axis Bank has recently launched the two variants (Axis Bank FreeCharge & Axis Bank FreeCharge Plus) of its Digital Credit Card in association with Freecharge. Digital or Virtual Credit Cards are online cards which are not physically issued by the provider but helps you to transact easily and securely through your smartphone. Here is our review of both the credit cards that will surely help you choose the ideal one.
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Key Highlights of Axis Bank FreeCharge Credit Cards |
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| Axis Bank FreeCharge |
Axis Bank FreeCharge Plus |
| Get 1 Edge reward points which can be used on 500+ categories | Get vouchers worth Rs.700 from Uber and BookMyShow as welcome gift |
| Earn reward points on your monthly purchases (maximum 350 points) | 5% cashback on all Freecharge spends and 1% cashback on all other expenditures |
| Get 10% off on Myntra and up to Rs.100 credit on Shuttl every month | Get 2% cashback on daily travel (Ola, Uber, Shuttl and other local transport) |
| Up to Rs.120 Off on Freshmenu every month & 50% off on Eros Now annual subscription | 20% discount at all participating restaurants in India |
Get Vouchers on Activation
Only with the Axis Bank FreeCharge Plus Credit Card you can enjoy the welcome bonuses. After successful activation of the card, you will get vouchers worth Rs.700 from Uber and BookMyShow. The vouchers are available on your first transaction within 30 days of card issuance.
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Merchant |
Voucher Value |
| Uber | Rs.350 |
| BookMyShow | Rs.350 |
Terms and Conditions of the Vouchers:
- You have to complete a transaction within 30 days of the card issuance
- The voucher e-codes will be sent to your registered mobile number within 30 days of the transaction
- The validity of the voucher will be mentioned in the respective SMS
- In case of expiry, the voucher can neither be re-issued nor re-valued
To know more about the voucher specifications, click here
Cashback and Reward Points on every transaction
While Axis Bank FreeCharge Credit Card is majorly a reward credit card, the Axis Bank FreeCharge Plus Credit Card is more of a cashback credit card. In the following table, you will be able to see the exciting cashbacks or rewards offered by the Axis Bank FreeCharge Credit Cards.
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Axis Bank FreeCharge |
Axis Bank FreeCharge Plus |
| Get 1 Edge Reward Points | Get 5% cashback on all Freecharge spends |
| Earn up to 350 Milestone reward points on your purchase | Avail 2% cashback on daily travel (Ola / Uber / Shuttl) |
| Earn 10X bonus reward points on Freecharge for bus tickets and gift cards | Get 1% cashback on all other purchases |
Other Discounts and Benefits
Both the Axis Bank FreeCharge and FreeCharge Plus Credit Card provide a wide range of discounts from different merchants. We have categorised the different types of additional discounts provided by the cards.
Travel Discount
| Axis Bank FreeCharge | Axis Bank FreeCharge Plus |
| Get up to Rs.100 credit on Shuttl every month | Get 2% cashback on daily travel via Ola / Uber / Shuttl |
Dining Discount
| Axis Bank FreeCharge | Axis Bank FreeCharge Plus |
| Get up to Rs.120 off on Freshmenu every month | Up to 20% discount at partner restaurants in India |
Discount on Shopping
| Axis Bank FreeCharge | Axis Bank FreeCharge Plus |
| Get up to 10% off on shopping at Myntra | 5% cashback on Freecharge spends and 1% cashback on all other purchases |
Get the Annual Fee Waived Off
If you opt for Axis Bank FreeCharge Plus Credit Card, you can get your annual fee of Rs.350 waived off. All you need to do is just achieve an annual spend milestone of Rs.50,000 at the time of the card anniversary.
Axis Bank FreeCharge Milestones Reward Programme
With the Axis Bank FreeCharge Credit Card, you can earn milestone reward points on every purchase that you make. The number of points eventually increases with the rise in your monthly expenditure using the card. In the given below table, we have depicted the points you will earn on the amount you spend.
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Monthly Spend |
Edge Reward Points |
| 0-Rs.1999 | 0 |
| Rs.2000-Rs.4999 | 100 |
| Rs.5000 and above | 350 (100 + 250) |
Fees and Charges of Axis Bank FreeCharge Credit Cards
Given below is the detailed information about the fees and charges related to both the card variants. You can easily compare both the cards and choose the ideal one for you based on the given set of parameters.
| Fees / Charges | ||
| Primary Features | Axis Bank FreeCharge | Axis Bank FreeCharge Plus |
| Joining fee | Rs.250 + Applicable Taxes | Rs.350 |
| Annual fee | Rs.250 + Applicable Taxes | For 1st year: NIL
For 2nd year: Rs.350 |
Who should opt for Axis Bank FreeCharge Credit Cards?
You can apply for any of the Axis Bank FreeCharge Credit Card variants if your requirement matches any of the below-listed points. Also, it is to be noted that both the cards are virtual credit cards but the Axis Bank FreeCharge Credit Card can be issued to you physically by the provider for Rs.250 (plus applicable taxes). The cards are ideal for you if you:
- Are looking for a credit card with a low annual fee
- Are wishing for a decent welcome bonus
- Are a frequent Freecharge user
- Wish to earn huge cashback on your daily commute
- Would like to enjoy a good rewards program and redemption choices
- Refrain from putting major expenses on credit cards
Drawbacks of Axis Bank FreeCharge Credit Cards
While there are many advantages and benefits of having any of the Axis Bank FreeCharge Credit Cards, they also have some limitations associated with them. We have mentioned some of the drawbacks of the cards.
- The shopping benefits are not very good as one expects from an Axis Bank Credit Card. If you are a shopaholic, you can opt for other popular shopping credit cards available on our platform.
- The travel discount provided by the cards is not up to the mark as compared to other credit cards provided by Axis Bank.
- The cards do not offer any exclusive discount on entertainment.
- None of the cards provides airport lounge access.
- The reward points offered are not that great in number as provided by other Axis Bank Credit Cards.
Comparative Analysis of Axis Freecharge & Other Credit Cards
Given below is the list of some of the top rewards credit cards along with their annual fees and primary feature.
| Credit Card Variant | Annual Fee | Primary Feature |
| ICICI Rubyx | Rs.2000 | Get 2 Complimentary Movie Tickets every month from BookMyShow |
| Citibank Rewards | Rs.1000 | Up to 2500 reward points on using this card within first 60 days |
| SBI SimplySave | Rs.499 | Spend Rs.90,000 or more in a year to avail annual fee reversal |
| American Express Membership Rewards | Rs.1500 | Earn 1000 membership bonus Rewards Points at least 4 times per month |
| CitiBank Cashback | Rs.500 | Get 5% cashback on utility bills and movies |
| SBI SimplyClick | Rs.499 | Earn 5X rewards points on all online shopping |
Bottom Line
Overall both credit cards are best suited for the customers who are majorly looking for cashback and rewards on most of their purchases. The low annual fee, travel discounts, dining offers, shopping discounts and more are some advantages that these cards offer. These virtual cards help you to transact easily and smoothly using your smartphone. We have given the overall comparison of the 2 variants, helping you to choose the one most ideal to cater to your requirements. However, if any of these cards doesn’t suit your needs you can opt for other popular credit cards like Standard Chartered Platinum Reward, Flipkart Axis etc.
