Axis Bank Freecharge Credit Card
Co-branded
Reward Points
1st Year Fee: ₹250* Plus Applicable Taxes
Rewards
1 EDGE Reward on every spend
Shopping
Up to 10% discount on Myntra
Dining
Save up to Rs. 120 on Freshmenu
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About Axis Bank Freecharge Credit Card
Axis Bank Freecharge Credit Card is a co-branded card designed to offer benefits on recharges and bill payments. It is an invite-only card, and eligible users can see the offer banner on their Freecharge mobile app.
With this card, cardholders earn 1 reward point on every spend. A unique feature of this card is its milestone rewards, allowing cardholders to earn up to 350 reward points on monthly spends above Rs. 5,000. In addition to rewards, the card offers significant savings on popular brands such as Myntra, Shuttl, FreshMenu, and Eros Now, covering key categories like shopping, dining, travel, and entertainment.
However, despite being a co-branded card, it does not offer any accelerated rewards on Freecharge spends. Cardholders earn the same reward rate across all categories, which can be considered as a drawback, especially since most co-branded cards offer accelerated benefits on their partnered brand.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit Axis Bank’s website.
Features & Benefits
General Rewards
- 1 EDGE Reward Point on every spend
Milestone Rewards
- Monthly spends of up to Rs. 1,999: 0 EDGE Reward Points
- Monthly spends between Rs. 2,000 and Rs. 4,999: 100 EDGE Reward Points
- Monthly spends above Rs. 5,000: 350 EDGE Reward Points
Other Benefits
- Up to 10% off on Myntra
- Up to Rs. 100 credit on Shuttl every month1
Axis Bank Freecharge Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 250 + Applicable Taxes | ||||||||||
| Annual Fee | Rs. 250 + Applicable Taxes | ||||||||||
| Finance Charges | 3.75% p.m. | 55.55% p.a. | ||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You’re looking for an entry-level credit card with basic benefits
You want a virtual credit card with instant approval and easy tracking through the Freecharge app
You want to save on popular everyday brands like Myntra, Shuttl, and Freshmenu
You prefer making recharges and bill payments via Freecharge
Other Similar Cards
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Paisabazaar Review
What do we like about this card?
Axis Bank Freecharge Credit Card is an entry-level credit card that offers value-back on recharges and bill payments—categories often excluded from rewards program. Cardholders can earn general rewards along with milestone rewards as they reach higher spending thresholds. The more you spend, the more rewards you earn. Additionally, the card offers decent benefits on everyday brands like Freshmenu, Myntra, and Shuttl, making it a suitable option for daily expenses.
Pros
- Reward points on bill payments and recharges
- Additional discounts on select brands like Myntra, Freshmenu, and Shuttl.
- Low joining and annual fees of Rs. 250
Cons
- Monthly spend-based rewards program
- No accelerated benefits on Freecharge app transactions
- No annual fee waiver condition
Frequently Asked Questions
Everything you need to know about this credit card
Axis Bank Freecharge Credit Card is an invite-only card offered to select Axis Bank customers. Eligible users will see a banner on the Freecharge app through which they can apply online. Besides this, you can also contact Axis Bank’s customer care and ask the representative about your eligibility.
Yes, you can earn rewards on recharges and bill payments made via Freecharge app. The card offers 1 EDGE Reward Point on every spend, along with up to 350 reward points as milestone rewards.
No, Axis Bank Freecharge Credit Card does not offer any travel or lounge access benefits. However, you can earn 1 EDGE Reward Point on every spend, including the travel category.
Yes, besides regular rewards, you can save on online shopping at Myntra. The card offers a 10% discount on your spends at Myntra.
Axis Bank Freecharge Credit Card comes with a joining and annual fee of Rs. 250 plus applicable taxes.
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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