Freecharge Plus Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Axis Bank
Network: Visa | Tier: Entry
Wallet cashback
Why Choose the Freecharge Plus Credit Card?
The Freecharge Plus Credit Card is a Entry-tier Visa credit card issued by Axis Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Wallet users. With a reward rate of Freecharge cashback and an annual fee of NIL, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
Freecharge Plus Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.6% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Freecharge Plus Credit Card Rewards & Benefits
| Reward Rate | Freecharge cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Wallet users |
Key Highlights of the Freecharge Plus Credit Card
- Wallet cashback
- Freecharge cashback
Freecharge Plus Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the Freecharge Plus Credit Card
- No fee
Drawbacks of the Freecharge Plus Credit Card
- Niche usage
Freecharge Plus Credit Card — Frequently Asked Questions
What is the annual fee of the Freecharge Plus Credit Card?
The Freecharge Plus Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the Freecharge Plus Credit Card offer airport lounge access?
No, the Freecharge Plus Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Freecharge Plus Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Freecharge Plus Credit Card?
The Freecharge Plus Credit Card earns Freecharge cashback. It is best suited for Wallet users.
Credit Cards Similar to the Freecharge Plus Credit Card
If you are considering the Freecharge Plus Credit Card, these co-branded credit cards are worth comparing before you apply:
- Amazon Pay ICICI Credit Card by ICICI Bank — rated 4.8/5, NIL annual fee
- Amazon Pay ICICI Card (Visa) by ICICI Bank — rated 4.8/5, NIL annual fee
- AU ixigo Credit Card by AU Small Finance Bank — rated 4.7/5, NIL annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
Expert Rating: 4.2/5