Axis Bank Freecharge Credit Card
Axis Bank
Axis Bank Freecharge Credit Card
Axis Bank
Annual Fee
₹250
Effective Rate
0.20%
Network
RUPAY
Point Value
₹0.20/pt
About Axis Bank Freecharge Credit Card
The Axis Bank Freecharge Credit Card is a entry-tier cashback credit card issued by Axis Bank on the RUPAY network. It carries an annual fee of ₹250. With zero foreign transaction charges, it is a strong companion for international travel.
Best For
Pros & Cons
thumb_upPros
- check_circleZero forex markup on international transactions
- check_circleFreecharge Cashback
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹250 with no waiver option
Reward Earning Structure
Each point is worth ₹0.20 — an effective return of 0.20% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 2% | 200 pts≈ ₹40 |
| All other spends | 0.5% | 50 pts≈ ₹10 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Card Benefits
Freecharge Cashback
Exclusive cashback on Freecharge app recharges and bill payments
~₹2,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹2,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,000 (MONTHLY)
Monthly Milestone – 100 EDGE Points at ₹2,000: Earn 100 bonus EDGE Reward Points when net spends per statement month reach ₹2,000–₹4,999.
Spend ₹5,000 (MONTHLY)
Monthly Milestone – 350 EDGE Points at ₹5,000: Earn 350 bonus EDGE Reward Points (100 base + 250 bonus) when net monthly spends reach ₹5,000 or more.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Axis Bank website.
| Annual Fee | ₹250 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Axis Bank Freecharge Credit Card.
Ready to apply for Axis Bank Freecharge Credit Card?
Apply directly on the Axis Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.