Axis Bank Freecharge Credit Card Vs. Axis Bank Freecharge Plus Credit Card

Axis Bank Freecharge Credit Card

Axis Bank Freecharge Credit Card

Axis Bank Freecharge Plus Credit Card

Axis Bank Freecharge Plus Credit Card

Comparison of Axis Bank Freecharge Credit Card and Axis Bank Freecharge Plus Credit Card

Feature	Axis Bank Freecharge Credit Card	Axis Bank Freecharge Plus Credit Card
Annual Fee	₹250 + GST (~₹295)	₹350 + GST (~₹413)
Joining Fee	₹250 + GST (~₹295)	₹350 + GST (~₹413)
Welcome Benefits	N/A	N/A
Interest Rate (APR)	3.6% per month (43.2% annually)	3.75% per month (45% annually)
Foreign Currency Markup	3.5% + GST (~4.13%)	3.5% + GST (~4.13%)
Key Highlights	•Milestone Rewards •Virtual Card Convenience •Affordable Annual Fee •Flexible Redemption	•Accelerated Freecharge Cashback •Daily Commute Savings •Base Cashback Programme •Annual Fee Waiver •Dining Privileges •Invite-Only Access •Virtual Card Convenience •Wednesday Offers
Dos	Target ₹5,000 monthly spending to maximise the 350 milestone bonus EDGE Reward Points Pay your credit card bill in full before the due date to avoid 43.2% annual interest Use Wednesday Delights offers for travel, food delivery, and beauty purchases to save 10-15% Track your annual retail spending to ensure you cross ₹50,000 for fee waiver Redeem EDGE Reward Points for popular vouchers (Amazon, Flipkart) at ₹0.20 per point	Pay utility bills, mobile recharges, and DTH recharges through the Freecharge app to earn 5% cashback Use the card for Ola and Uber rides to earn 2% cashback on daily travel Pay your credit card bill in full and on time to avoid interest and keep a good credit score Track your yearly spending to reach ₹50,000 for the annual fee waiver Use Wednesday offers for travel and food orders to get instant discounts
Don'ts	Avoid overspending beyond your repayment capacity just to reach milestones Do not miss the minimum payment; late fees of up to ₹1,200 plus interest can accumulate Ignore the 3-year point validity; while generous, don't let inactivity cause point expiry Include rent or wallet loads in fee waiver calculation; only retail spends count Let points accumulate indefinitely without any account activity for 365+ days	Don't pay bills through other apps expecting 5% cashback — it is only via Freecharge Avoid transactions below ₹100 as they do not earn cashback Don't use the card for cash withdrawals due to high fees and immediate interest Never pay only the minimum amount if you can afford full payment Don't use the card for fuel purchases as cashback is not applicable

Explore More Comparisons

Axis Bank Magnus Credit Card vs Axis Bank Reserve Credit Card Axis Bank ACE Credit Card vs DBS Live Fresh Credit Card Axis Bank ACE Credit Card vs Axis Bank Cashback Credit Card Axis Bank ACE Credit Card vs Cashback SBI Card Axis Bank ACE Credit Card vs HDFC Bank Swiggy Credit Card Flipkart Axis Bank Credit Card vs Myntra Kotak Credit Card (RuPay)Axis Bank Atlas Credit Card vs SBI Card MILES Elite SpiceJet Axis Bank Voyage Black Credit Card vs SpiceJet Axis Bank Voyage Credit Card Axis Bank Atlas Credit Card vs HSBC TravelOne Credit Card Axis Bank Vistara Credit Card vs Club Vistara SBI Card PRIME Axis Bank Atlas Credit Card vs HDFC Bank Infinia Credit Card IndianOil Axis Bank Premium Credit Card vs IndianOil Axis Bank RuPay Credit Card BPCL SBI Card Octane vs IndianOil Axis Bank RuPay Credit Card IndianOil Axis Bank RuPay Credit Card vs IndianOil HDFC Bank RuPay Credit Card Axis Bank Magnus Credit Card vs HDFC Bank Infinia Credit Card Flipkart Axis Bank Credit Card vs HDFC Bank Millennia Credit Card Axis Bank Magnus Credit Card vs Axis Bank Magnus for Burgundy Credit Card Amazon Pay ICICI Credit Card vs Flipkart Axis Bank Credit Card