Axis Bank Freecharge Plus Credit Card
Joining Fee: No joining fee
Renewal Fee: ₹350 + GST
Reward Type: Cashback
Cashback Benefits
5% Cashback: Earn 5% cashback on all spends made via the Freecharge mobile app or website.
2% Cashback: Receive 2% cashback on local commutes through Ola, Uber, etc.
1% Cashback: Get 1% cashback on all other retail purchases.
Exclusions: Cashback is not applicable on transactions below ₹100, fuel purchases, wallet reloads, cash withdrawals, EMI purchases, gift cards, jewelry purchases, and rental payments.
Dining Discounts
Up to 20% Off: Enjoy up to 20% discount on dining.
Spend-Based Renewal Fee Waiver
Fee Waiver: The renewal fee of ₹350 is waived if you spend ₹50,000 or more in the previous year.
Exclusions: Rent and wallet reloads do not contribute towards the spend-based waiver.
Summary
The Axis Bank Freecharge Plus Credit Card offers substantial cashback and savings opportunities. Cardholders earn 5% cashback on all transactions made via the Freecharge app, 2% cashback on local commutes and select categories, and 1% cashback on other purchases. Note that cashback excludes transactions below ₹100, fuel, wallet reloads, cash withdrawals, EMIs, gift cards, jewelry, and rent payments. The card provides up to 20% off on dining and offers a renewal fee waiver of ₹350 if you spend ₹50,000 or more annually, excluding rent and wallet reloads. This card is a solid choice for those who frequently use the Freecharge app and seek significant savings on their expenses.