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Axis Bank Freecharge Credit Card VS Axis Bank Freecharge Plus Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 17 July 2026
Axis Bank Freecharge Credit Card
Axis Bank Freecharge Credit Card
Axis Bank Freecharge Plus Credit Card
Axis Bank Freecharge Plus Credit Card

Fees & Charges

Joining Fee₹250 + GST
Joining FeeFree (1st year)
Renewal Fee₹250 + GST
Renewal Fee₹350 + GST
Spend Based WaiverAnnual fee waived off on spending ₹50,000 or more in the previous year/anniversary year.
Spend Based WaiverAnnual fee waived on spending ₹50,000 or more in the preceding card anniversary year.
Foreign Transaction Fees3.5% of the transacted amount.
Foreign Transaction Fees3.5% of the transaction value.
Interest Rate (APR)3.6% per month.
Interest Rate (APR)3.75% per month for retail purchases and cash.

Rewards & Benefits

Welcome BonusWelcome gift vouchers worth up to ₹700.
Welcome Bonus* Welcome benefits are not applicable for cards issued on or after January 4, 2023.
Rewards Rate5% cashback on Freecharge app spends; 1% cashback on all other spends.
Rewards RateUp to 5% on Freecharge, 2% on local commutes, and 1% on other retail spends.
Reward TypeReward Points, Cashback
Reward TypeCashback
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsUp to ₹100 credit every month on Shuttl; Up to ₹150 off every month on Shuttl.
Travel BenefitsUp to 15% off on flights & hotels via MakeMyTrip; 2% cashback on local commutes.
Movie Benefits50% off on an annual subscription on Eros Now.
Movie Benefits
Dining BenefitsUp to ₹100 credit every month on the Fresh menu.
Dining BenefitsUp to 20% off (up to ₹500) on dining via Axis Bank Dining Delights Program.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400 and ₹4,000.
Fuel Surcharge Waiver1% waiver on fuel transactions; 1% fee on cumulative spends over ₹50,000/cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges3.5% of amount withdrawn or ₹250 (whichever is higher).
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Freecharge Credit Card

Axis Bank Freecharge Plus Credit Card

Who is it for?

The Axis Bank Freecharge Credit Card was an entry-level card designed for frequent Freecharge app users, offering 5% cashback on Freecharge spends and 1% on others. Despite its discontinuation, it was valued for its low fees and decent benefits, particularly for utility bill payments and mobile recharges. It provided an instant virtual card and exclusive rewards, making it suitable for individuals seeking affordable benefits focused on digital transactions.

Who is it for?

The Axis Bank Freecharge Plus Credit Card was a mid-range virtual credit card designed for maximizing cashback on everyday spends, particularly through the Freecharge app and local commutes. It offered generous cashback rates of up to 5% and featured an annual fee waiver based on spending, making it a cost-effective option for active users. While it provided significant savings on dining and travel via Wednesday Delight offers, it's crucial to note that this card has been discontinued. It was ideal for individuals seeking high cashback on digital transactions and daily travel.

Pros

Key benefits and features.

Enjoy low joining and annual fees, making it an affordable credit card option.

Offers decent benefits, especially for frequent users of the Freecharge app.

Earn exclusive Edge Reward Points with a wide variety of redemption options.

Get an instant virtual credit card via the Freecharge app, with physical card option.

Pros

Key benefits and features.

Generous cashback of up to 5% on Freecharge and 2% on local commute spends.

Annual fee is easily waived by spending ₹50,000, making the card cost-effective.

Ideal for maximizing savings on daily expenses, especially Freecharge and commute.

Enjoy significant dining discounts of up to 20% at partner restaurants.

Cons

Key drawbacks and limitations.

The card's benefits are not as diverse compared to other credit cards in the market.

Lacks complimentary airport lounge access, both domestic and international.

This credit card has been discontinued, limiting new applications.

Cons

Key drawbacks and limitations.

The Axis Bank Freecharge Plus Credit Card has been officially discontinued.

No welcome benefits are offered for cards issued after January 4, 2023.

Cashback has many exclusions, including fuel, wallet reloads, and small transactions.

A high foreign currency markup of 3.5% applies to international transactions.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank Freecharge Credit Card(opens in new tab)Apply for Axis Bank Freecharge Plus Credit Card(opens in new tab)