A Detailed Axis Bank Freecharge Credit Card Review

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

8 Jan 26
4 mins

Shreyansh Singh

08 Mins
08-01-26

One App for all Business Payments

Download Now One App for all Business Payments

Table of Contents

Axis Bank Freecharge Credit Card Benefits
Additional Features of the Axis Bank Freecharge Credit Card
Axis Bank Freecharge Credit Card Charges
How to Maximise Your Returns on the Axis Bank Freecharge Credit Card?
Who Should Get the Axis Bank Freecharge Credit Card?
Conclusion

Axis Bank Freecharge Credit Card is invite-only and available via the Freecharge app.
Earn 1 EDGE Reward Point per eligible spend with milestone bonuses.
Best suited for beginners and frequent Freecharge users.
Offers regular discounts on Myntra, Swiggy, travel, and more.
Low joining fee with simple reward structure and digital-first usage.

The Axis Bank Freecharge Credit Card is an exclusive, invite-only card, not available for direct application. Eligible customers will find this option on their Freecharge mobile app when the card is available for them.

With this card, you can earn EDGE Reward Points on your spends, which can be redeemed across 500+ options, from shopping and travel to entertainment. Keep reading to explore all the offers, privileges and ways you can maximise value with the Axis Bank Freecharge Credit Card.

Axis Bank Freecharge Credit Card Benefits

EDGE Reward Points Program

Earn 1 EDGE Reward Point on all eligible spends.

Note: All spending does not earn reward points. The expenses that are not eligible for earning EDGE reward points are:

Rent
Wallet load
Gold & Jewellery
Fuel
Financial Institutions
Cash advances
Repayments

Milestone Benefits

Get 100 bonus reward points on spending more than ₹2,000 within a month via your Axis Bank Freecharge credit card.
Enjoy an additional 250 bonus reward points on spending ₹5,000 or more with your Axis Bank Freecharge credit card.

Additional Features of the Axis Bank Freecharge Credit Card

Special Discounts

Enjoy up to 10% off on Myntra.
Get up to ₹120 discount on Freshmenu every month.
Enjoy a flat 50% off on Eros Now Annual Subscription.
Get a credit of up to ₹100 on Shuttl every month.

The special discounts might change with time. Click here for the latest updates.

Wednesday Offers

Enjoy 10% off when ordering on Swiggy and Amazon Fresh.
Get 10% off up to ₹1,000 for shopping on Tira.
Save up to 15% off for booking flights and hotels on Goibibo and MakeMyTrip.

Must reads

Accounts and Records Under GST: Read Blog

10 Aug 24
19 mins

What Happens When You Stop Paying Your Credit Cards Bills?

31 Oct 25
9 mins

Axis Bank Freecharge Credit Card Charges

Charges	Amount and Conditions
Joining Fees	₹250
Renewal Fees (2nd Year Onwards)	₹250 (₹0 renewal fee for 1st year)Transactions made on Rent and Wallet load will count in spends for free renewal.
Cash Withdrawal Fee	2.5% of the cash amount, subject to a minimum of ₹500.
Interest on Overlimit Amount	3.75% p.m (55.55% p.a)
Foreign Exchange Fee (Forex Fee)	3.5% of the transaction amount
Utility Bill Payment Fee	1% of the total utility bill amount if the cumulative spend on utilities is more than ₹25,000 in a statement cycle.
Interest on Late Payments	3.75% per month (55.55% p.a)
Late Payment Fee	₹1 to ₹500 = ₹0₹501 to ₹5,000 = ₹500₹5001 to ₹10,000 = ₹750₹10,001 or above = ₹1,200

💡Get rid of unwanted fees and charges with the automatic credit card bill payment reminder facility of the Pice App. Download it now!

How to Maximise Your Returns on the Axis Bank Freecharge Credit Card?

The Axis Bank Freecharge credit card is a simple-to-use credit card. You can easily get the maximum value by:

Using this credit card for all eligible kinds of transactions to earn maximum EDGE reward points.
Having a spending appetite of at least ₹5,000 with your Axis Bank Freecharge credit card to earn the milestone bonuses.
Keeping track of the ‘Special Discounts’ and ‘Wednesday Delight’ sections on specific purchases.

Who Should Get the Axis Bank Freecharge Credit Card?

The Axis Bank Freecharge credit card is suitable for you if:

You are a beginner and looking for an entry-level credit card.
You prefer UPI payments and try to avoid physical credit cards.
If you regularly use Freecharge for bill payments and recharges.
You are a regular online shopper and would appreciate discounts on Myntra, Shuttl and Freshmenu.

Must reads

Stay Healthy and Save More With the Apollo SBI Card SELECT

8 Dec 25
5 mins

Axis Bank SELECT Credit Card: Apply Online | Check Benefits

17 Dec 25
7 mins

Conclusion

The Axis Bank Freecharge Credit Card is a beginner-friendly, invite-only option that rewards everyday digital spending. With EDGE Reward Points, milestone bonuses, and regular merchant discounts, it suits Freecharge users seeking simple rewards, UPI convenience, and manageable fees while learning responsible credit usage through transparent charges and monthly spend milestones.