Axis Bank Freecharge Credit Card Review: Everything You Need to Know

In a world in which digital payments are on the rise, it’s necessary for credit cards to grow to mean more than simply borrowing money. Well, the Axis Bank Freecharge Credit Card does just that — bridging the gap between conventional banking and digital payments. The card is well-suited for online shoppers, heavy users of the Kohl’s app and anyone who enjoys earning rewards on everyday purchases.

In this article, we explore the features and benefits and everything you should know about the Axis Bank Freecharge Credit Card. Whether you shop online a lot, love cashback or you just want a credit card that matches your digital lifestyle, this card could be perfect for you.

Freecharge Credit Card Axis Bank : Introduction

The Axis Bank Freecharge Credit Card is a co-branded credit card offered by Axis Bank in association with Freecharge, a leading digital wallet provider. The card has been conceptualized to provide great rewards, cashbacks and discounts especially for Freecharge app users and online shoppers.

With increasing dependence on digital transactions - be it for paying bills, shopping or ordering food, - this credit card would be a great option for individuals who would like to earn cashback and rewards on their digital spends. With the Axis Bank Freecharge Credit Card, the bank is trying to combine convenience along with affordability and digital cashback as well.

Axis Bank Freecharge Credit Card Features and Benefits

Here’s a brief roundup of the standout elements of this credit card:

• Joining Fee: ₹500 + GST (as applicable)

• Renewal Fee: ₹500 plus applicable taxes

• Rewards: Get up to 5% cashback on Freecharge/ This card offer is especially designed to incentivize online shopping.

• Cashback on Daily Spends: 2% cashback on dining, utility bill payments and selected online subscriptions.

• Annual Fee Waiver: Spend ₹50,000 per annum to waive off the annual fee.

• Fuel Surcharge Waiver: 1% on fuel transactions from ₹500 to ₹3,000.

• Welcome Offer: ₹500 worth of Freecharge wallet cash for new cardholders.

• Contactless Payments: Instant and secure contactless payments on qualified purchases.

• EMI Conversion: Get your big purchases converted into easy EMIs at low-interest rates above ₹2,500.

These are features that make this card an excellent alternative to users of apps that don’t have Movie offers. If you’re a regular in apps and love shopping online and have a spend on which you can have an EMI being converted into a loan, it makes sense.

Rewards and Cashback Benefits

Cashback

One of the prime highlights of the Axis Bank Freecharge Credit Card is the lucrative cashback structure. If you are an avid user of digital wallets, or use payment apps like Freecharge, than this card is meant for you. Here is how it works the rewards and cashback system:

5% Cashback on Freecharge Transactions

On Freecharge You get a nifty 5% cashback when you make transactions using your Axis Bank Freecharge Credit Card. This cashback can be used to pay for the next recharge or the next bill-payment for your card; now that’s something amazing! You have several other reasons to prefer Freecharge over other options for doing anything, be it your mobile recharge, a payment for bills, etc.

2% Dining and Bills Cashback

The card also gives 2% cashback on your day-to-day spends, including dining, and utility bill payments etc. made through Freecharge. On the other hand, the online facility of bill payment in Axis Bank Freecharge Credit Card is something that makes the card a smart choice for those who often pay bills online.

Cashback on Select Online Shopping

This card could be a rewarding option if you’re a frequent online shopper. The Axis Bank Freecharge Credit Card comes with 2% cash back on certain online transactions other than those made on leading ecommerce websites. This is a good opportunity to earn a little cash back on your day-to-day purchases.

Fuel Surcharge Waiver

With this card, you will get 1% of the fuel surcharge waived for fuel transactions between ₹500 to ₹3,000 at all petrol pumps. This bonus can end up saving you money when it comes to fuel, and costs can add up over time especially if you have a long commute.

Welcome Benefits & Annual Fee Waiver

Axis Bank Freecharge Credit Card Welcome Benefits and Fees Waiver

The welcome benefits on the Axis Bank Freecharge Credit Card are decent and the opportunity to waive off the annual fee is good as well:

Welcome Bonus: ₹500 Freecharge Wallet Balance

New users get ₹500 worth of Freecharge wallet cash on your first login via your new card. It is a great kickback for signing up with the card and saving immediately on your digital transactions.

Annual Fee Waiver

For added affordability, the Axis Bank Freecharge Credit Card comes with an annual fee waiver. If spend ₹50,000 or more in a year, the annual renewal fee is waived off – so, that is another worry off, you get to enjoy the card without worrying about the annual charge.

Axis Bank Freecharge Credit Card Eligibility

Eligibility Criteria for Axis Bank Freecharge Credit Card

As with all credit cards, the Axis Bank Freecharge Credit Card also has a checked list of eligibility requirements, which you must satisfy to apply for the card. Here’s what you need to know:

• Age: 21-60 years old is the age limit necessary.

• Income: You should earn a minimum monthly income of ₹15,000 (for salaried professionals) or an annual income of ₹3 lakh (self-employed).

• Credit Rating: Make sure you have a decent credit score of more than 750 to get the process of approval.

Why You Should Actually Get the Axis Bank Freecharge Credit Card?

Though we’ve seen the features, benefits and eligibility criteria, here is why Axis Bank Freecharge Credit Card can be the perfect fit for you:

Perfect for Digital Payments Users

The Axis Bank Freecharge Credit Card is designed for who use Freecharge and other digital wallets to make most of their payments. Whether you’re paying bills, making an online purchase or getting groceries, the card features some of the best cashback rates and is a welcome addition to your wallet if you are someone determined to make a digital wallet your go-to payment option.

Great Cashback Offers on Your Everyday Spending

We believe that 5% cashback for Freecharge transactions and another 2% cashback on dining and bill payments is a decently rewarding card for those who like rewards on their spending. It’s great for anyone looking to get more out of their everyday spending.

Low Fees and Convenient Access

This card is awesome because it charges a relatively low joining fee and if you spend enough each year, you can have the annual fee waived. It’s also easier to manage your purchases with contactless payments and EMI conversion options.

Fuel Savings

For anyone who does a lot of driving, that 1% fuel surcharge waiver can turn into sizeable savings over the course of time. This perk is particularly beneficial to you if you're a high gas spender.

How To Enjoy The Benefits of Axis Bank Freecharge Credit Card

Here are some tips to maximise the Axis Bank Freecharge Credit Card:

• Transact with Freecharge as much as Possible: As you are getting 5% cashback on all orders on Freecharge, you should try to pay your bills, recharge-mobile, and shop with Freecharge only.

• Pay bills on time: Pay your electric, water or gas bills or any other bill you have by using the card and get 2% cashback.

• Use the Card for Online Shopping: Use the 2% cashback while shopping online and build up rewards.

• Smart Redemption: You can use your cashback for #recharges, #billpayments or even pay at #Freecharge #partners like #bookmyshow, #ebay, #junglee, #jabong, #pepperfry and #snapdeal etc.

Final Thoughts

The Axis Bank Freecharge Credit Card is perfect for those who want to maximise digital transactions, earn rewards and enjoy myriad benefits on their daily spends. With a good cashback system and the added benefits of fuel surcharge waivers, dining offers and annual fee waiver, it's a card most hit by the desire to use digital wallets for online shopping or bill payments should consider.

In these days of going digital with all your payments, owning a credit card such as the Axis Bank Freecharge Credit Card will not only make your shopping more rewarding but get you savings on bills and everyday spends too. Whether you want cashback, rewards or just a simpler way to keep track of your money, this card is definitely something to consider.