Axis Bank Freecharge Plus Credit Card
The Axis Bank Freecharge Plus is essentially the cashback-focused version of the base Freecharge card, built around Axis's own Freecharge platform for people who handle recharges and bill payments through the app. It pays 5% cashback on Freecharge app transactions — recharges and bill payments specifically — 2% on local commute spending, and 1% on everything else that qualifies. The commute category turns out to be broader than the marketing suggests: it covers taxi, bus, suburban-transport and car-rental merchant codes generally, not just Ola and Uber rides. Cashback kicks in only on transactions of ₹100 or more, and the list of exclusions is fairly extensive — fuel, wallet top-ups, cash withdrawals, gift cards, gold, EMI payments, rent, government payments, insurance, education, and any utility bill paid outside the Freecharge app all earn nothing. Notably, Axis doesn't cap the 5% rate at any monthly level, and none of the tiers carry a published ceiling — the bank's own worked example shows a full 5% return on ₹15,000 of Freecharge spend. There's no fuel surcharge refund on this card either; it's explicitly listed in the Key Fact Sheet among cards where that refund doesn't apply. The ₹350 annual fee is waived once you cross ₹50,000 in yearly spend. Like its base sibling, Axis treats this as invite-only through the Freecharge app, and our own research found no sign of new issuance — so we're marking new applications as paused, while existing cardholders retain the card and its cashback terms unchanged.
Key features
The core things this card does well.
5% on Utility Bills
5% cashback on on-deck Freecharge app recharges and bill payments. Transactions under ₹100 do not earn, and cashback is rounded down per transaction. Axis publishes no monthly cashback cap
2% on Travel
2% cashback on local commute. Axis pays it on MCCs 4121, 4131, 4111 and 7512 — taxis and limousines, bus lines, local and suburban commuter transport, and car rental — not only Ola and Uber
Annual Fee Waiver
Fee of ₹350 + 18% GST (₹413 all-in)/yr fully waived when you spend ₹50,000/year
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Utility Bills | cashback | 5% | — |
| Travel | cashback | 2% | — |
| Other | cashback | 1% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹413 |
| Joining fee (incl. 18% GST) | ₹413 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Should you get it?
Best for: Freecharge app regular paying recharges and utility bills, Frequent cab, bus or car-rental commuter, Someone wanting a low-fee bill-pay cashback second card
It's an Entry-tier card, a natural fit for first-time cardholders or lighter monthly spenders.
You'll see the most benefit if Utility Bills make up a large share of your spend ( 5% back).
✓ Pros
- 5% cashback on Freecharge recharges and bill payments, with no published cap from Axis
- 2% cashback on local commute — covering taxis, buses, suburban transport and car rental, not just Ola and Uber
- A low ₹350 fee, free in the first year and easy to waive afterward at ₹50,000 of annual spend
✕ Cons
- The 5% rate only applies within the Freecharge app — pay the same bill through another channel and you lose it entirely
- A long list of exclusions: fuel, wallet loads, gold, rent, government payments, insurance, education and non-Freecharge utilities all earn nothing, and there's no cashback below ₹100
- No fuel surcharge refund — the Key Fact Sheet explicitly lists this card among those excluded
- It's invite-only through the Freecharge app, and outside of Freecharge and commute spending, it drops to a plain 1% card
Eligibility & documents
Age
18 –60 years
Min. income
₹15,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Income proof — salary slips (salaried) or ITR (self-employed)
How to redeem rewards
The redemption method for this card's cashback.
🎁 Cashback auto-credited / adjusted to the card statement
What your Cashback are worth
As a cashback card, valuing your earnings is straightforward.
Statement credit Direct cash adjustment — no conversion
The concern The headline 5% rate is confined entirely to Freecharge app spending, and the exclusion list is substantial — pay a bill anywhere other than Freecharge, or spend outside commute categories, and you're back to a plain 1% return.
The bottom line
The Freecharge Plus works well as a focused cashback card if you genuinely route your bill payments through the Freecharge app: 5% on those transactions and 2% on cab rides are solid numbers for a ₹350 card that's easy to get waived at ₹50,000 of spend. That said, the lengthy exclusion list and the ₹100 minimum transaction floor mean it really only performs well within its specific lanes — spend outside Freecharge and local commute, and you're effectively on a flat 1% card. Best used as a companion to a primary card rather than your only one.
Sources & verification
Fees, reward rates, and benefits for the Axis Bank Freecharge Plus Credit Card are taken from Axis Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 13 Aug 2026 . Reviewed by SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Axis Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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