There are many types of Axis Bank credit cards in the market and some of these cards are associated with other company names like Flipkart Axis Bank Credit Card, Airtel Axis Bank Credit Card, Axis Bank Freecharge Plus Credit Card etc. All these credit cards are called co-branded credit cards. These co-branded credit cards offer more benefits on any transaction of the associated brand.
Today we will know various information about Axis Bank Freecharge Plus Credit Card, such as its features, benefits, charges, reward points etc.
Axis Bank Freecharge Plus Credit Card Highlights
- 5% Cashback on Freecharge spend.
- Instant Virtual Credit Card on Freecharge app.
- Annual Fee Waiver.
- Without Income Proof.
Axis Bank Freecharge Plus Credit Card Features and Benefits
- You can add a Virtual Credit Card to your Freecharge account instantly after approval of your credit card application.
- You will get 5% cashback if you do any transaction on the Freecharge app.
- You can avail of 2% cash back on daily travel.
- Customers will get gift vouchers as a welcome benefit.
- Zero joining fee.
- The annual fee can be waived if you spend Rs. 50000/- in a year.
Axis Bank Freecharge Plus Credit Card Rewards & Cashback
If you spend on Freecharge mobile app then you will get 5% cashback. On daily travels, by Ola, Uber, and Shuttl you will get 2% cashback.
For any other transaction other than the above you will get 1% cash back but conditions apply.
You will not get any cashback on the following spends:
- Wallet load
- Fuel spends
- Cash withdrawal
- Purchase of gold items and any types of jewellery
- Purchase of gift cards
- EMI transactions
- Transaction converted to EMI after purchase
- Rental Payments
Also Read: Credit Card Statement Password
Axis Bank Freecharge Plus Credit Card Fees & Charges
Joining Fee: There is no joining fee for Axis Bank Freecharge Plus Credit Card, but when there are no offers there is a charge of Rs. 350 + GST.
Annual Fee: Same as the joining fee, this credit card has no annual fee, 350 + GST is charged when there is no offer. But in this case, your annual fee will be waived if you spend Rs. 50,000 in a year.
| PARTICULARS | FEES & CHARGES |
|---|---|
| Card Replacement fee (w.e.f 10/10/20) | Nil |
| Cash Payment fee | Rs.100 |
| Duplicate Statement Fee | Waived |
| Charge slip retrieval fee or copy request fee | Waived |
| Outstation cheque fee | Waived |
| Finance Charges (Retail purchases and Cash) | 3.4% per month (49.36% per annum) |
| Overdue Penalty or Late Payment Fees | Nil if Total Payment Due is less than Rs. 500 |
| Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000 | |
| Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000 | |
| Rs. 1200 if total payment due is greater than Rs.10,000 | |
| Over-limit Fees | 2.5% of the over limit amount (Min Rs. 500) |
| Cheque return or dishonor fee or auto-debit reversal | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,518 |
| Surcharge on purchase or cancellation of railway tickets | As prescribed by IRCTC/Indian Railways |
| Foreign currency transaction fee | 3.5% of the transaction value |
| Reward Redemption fee | No |
Axis Bank Freecharge Plus Credit Card Eligibility Criteria
Axis Bank Freecharge Plus Credit Card is an invite-only model i.e. if customers are eligible for this credit card, they can apply for the same.
To check your eligibility do the following:
Download the Freecharge app > login into your account > click on Financial Services at bottom of the home screen > then click on Credit Card
If you are eligible then you can see the Credit Card application button and if you are not you will see the message “Oops! you are not eligible for the card yet.”
Documents Required for Axis Bank Freecharge Plus Credit Card
This is a paperless application process, where you need the following documents for KYC.
- Aadhaar Card
- Pan Card
- Latest bank statement / Last six-month payslip.
How to Apply for the Axis Bank Freecharge Plus Credit Card?
As you have read earlier that this card is not offered to everyone, only Freecharge customers are given the option to apply for this credit card in their mobile application and that too for selected customers only.
To apply for this credit card do the following:
Download the Freecharge app > login into your account > click on Financial Services at bottom of the home screen > then click on Credit Card > then click on “apply now” and fill in your details.
