Freecharge Plus Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: Axis Bank
Network: Visa | Tier: Entry
The Freecharge Plus Credit Card is an Entry Visa credit card issued by Axis Bank, best suited for wallet users. It carries a joining fee of NIL, with an interest rate of 3.6% per month. Key benefits include Wallet cashback and Freecharge cashback. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,00,000/year to qualify. It falls under the Co-branded, Shopping, and Fuel category on CreditCardHunt.
Affiliate disclosure: some links on this page are affiliate links and CreditCardHunt.in may earn a commission if you apply. It does not change our ratings or recommendations and costs you nothing extra. Full disclosure.
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 — a highlight among Axis Bank's entry lineup.
Drawbacks of the Freecharge Plus Credit Card
- Niche usage may not suit every applicant.
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:
- 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
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Vistara Signature Credit Card by Axis Bank — rated 4.6/5, ₹3,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.2/5