Axis Bank Freecharge Credit Card
Unlimited cashback on every transaction
Annual Fee
₹250
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
The Axis Bank Freecharge Credit Card is a solid entry-level cashback card for those deeply integrated into the Freecharge ecosystem. While it lacks premium features like lounge access, its 5% cashback on bills and 2% on commute provides high value for daily essential spending.
Quick Match
Is this card right for you?
Great match for your profile!
Your Estimated Value
Year 1
+₹5,750
Year 2+
+₹5,750
Fee waiver eligible!
Why get this card
5% unlimited cashback on all recharges and bill payments made via the Freecharge app
2% unlimited cashback on local commute spends including Ola and Uber
Low annual fee of ₹250 which is easily waived on annual spends of just ₹50,000
Watch out for
Invite-only model makes it difficult for new users to apply directly
No complimentary domestic or international airport lounge access
Extensive list of exclusions for the 1% base cashback including fuel, rent, and insurance
Who is this card for?
Best for
budget conscious users
Users who frequently use Freecharge for utility bills and recharges and want a simple cashback card.
Min: ₹5,000/mo
daily commuters
Individuals who rely on Ola and Uber for daily travel and want a consistent 2% value back.
Min: ₹3,000/mo
Skip if you're
frequent travelers
This card offers no travel-specific benefits like lounge access or air miles.
Base Earning
1 Cashback
per ₹100 spent
1.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
Freecharge App - UTILITIES
5×
5% return
Ola/Uber - TRAVEL
2×
2% return
Milestones
Spend ₹0.5L
Annual fee of ₹250 is waived if the cardholder spends more than ₹50,000 in the preceding year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Compare Alternatives
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Visa
Upgrade Path
Move up or down within this bank