Axis Bank Freecharge Plus Credit Card Review: Fees, Rewards & Caps
Get 5% cashback on Freecharge and 2% on Ola/Uber with the Axis Bank Freecharge Plus Credit Card. Learn about the ₹350 fee and monthly cashback limits.
The Axis Bank Freecharge Plus is a decent entry-level card for those heavily integrated into the Freecharge ecosystem for utilities. However, the low monthly cashback cap of ₹150 makes it less competitive compared to cards like Axis ACE or Airtel Axis.
Cashback with every Transaction
The Bottom Line
The Axis Bank Freecharge Plus Credit Card is the Axis Bank Freecharge Plus is a decent entry-level card for those heavily integrated into the Freecharge ecosystem for utilities. However, the low monthly cashback cap of ₹150 makes it less competitive compared to cards like Axis ACE or Airtel Axis. With a ₹350 annual fee that is waived on ₹50,000 yearly spend, it offers up to 20% discount at over 4,000 partner restauran and 1% base rewards. For anyone researching axis bank freecharge plus credit card, the verdict is simple: conditional.
It earns a base reward rate of 1% and stacks best when your spending lines up with Freecharge Power User, Daily Commuter. The renewal fee gets easier to justify once you can hit ₹50,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealMaximizes value on monthly utility bills and mobile recharges through the 5% cashback rate.
Earns 2% cashback on frequent Ola and Uber rides, making it a good secondary card for travel.
Probably not for
SkipThe ₹150 monthly cashback cap severely limits the earning potential for large transactions.
Does not offer lounge access, travel insurance, or airline-specific rewards.
Is It Worth It For You?
Slide to your typical monthly card spend. We'll do the rest.
Calculate Your Value
Adjust your typical monthly spend by category.
Spend ₹50,000 more to waive annual fee
Sign in for personalized estimates based on your actual spending
Reward Rates
Axis Bank Freecharge Plus Credit Card offers 1% basic reward rate.
Quick Calculator
Estimate earnings for a specific purchase
Fees & Charges
Eligibility
- Min Income: ₹2.5 Lakhs
- Min Credit Score: 700
- Available exclusively via the Freecharge mobile app for select eligible users.
Exclusions & Terms
Fuel
Wallet Load
EMI Transactions
Gold Purchases
Rent Payments
Education Payments
Insurance Premiums
Government Services
Utilities outside Freecharge
Compare with Alternatives
Frequently Asked Questions
3 data-backed answers from our card database