Axis Bank
FreeCharge Axis Bank Credit Card
Your rating
Community rating
Best for FreeCharge users — zero fee digital payments cashback
Joining Fee
₹250
Annual Fee
₹250
Reward Rate
0% – 5%
Forex Markup
3.5%
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Key Benefits
5% cashback on spends made via Freecharge app
2% cashback on local commute spends via Ola & Uber
1% cashback on all other eligible spends
Cashback directly credited to statement balance
Up to 15% dining discounts via Dining Delights
Annual fee waiver on ₹50,000 annual spends
1% fuel surcharge waiver on ₹400–₹5,000 fuel transactions
Contactless tap-to-pay enabled
Rewards
How you earn back on every swipe
points
Reward type
0% – 5%
Earn rate
5
Points / ₹100
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Joining fee₹250
Annual fee₹250
Interest rate (APR)45%
Late payment fee (max)₹1,200
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup3.5%
Fuel surcharge waiverNo
Things to Keep in Mind
- rent
- wallet load
- gold & jewellery
- fuel
- financial institutions
- cash advances
- repayments
Card Features
Metal Card
Contactless
UPI Linked
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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Pros & Cons
Pros
- Good cashback card for Freecharge users
- Useful rewards on daily commute spends
- Simple cashback structure without reward conversion hassle
- Low annual fee with easy waiver milestone
- Good beginner-friendly lifestyle card
- Dining offers add extra savings potential
- Works well for utility payments and recharges via Freecharge
Cons
- Best value depends heavily on Freecharge usage
- No airport lounge access
- Cashback rates are lower than top cashback cards like ACE or SBI Cashback
- Forex markup is high for international spending
- Limited premium travel and lifestyle benefits
- Freecharge ecosystem popularity has declined over time
- Cashback exclusions apply on fuel, EMI, wallet loads, and rent
Who is this card for?
FreeCharge platform users looking for a zero-fee card with cashback on platform spends.
Quick Links
Data last updated 24 Mar 2026