Axis Bank FreeCharge Credit Card
The Axis Bank FreeCharge Credit Card is a virtual credit card which gives you all the benefits of owning a card without the hassle of having to find space in your wallet to fit it in. This invite-only card can be yours at an annual fee of Rs.250 (excluding applicable taxes).
Key Highlights of Axis Bank FreeCharge Credit Card
- The credit card is a virtual credit card which can be used as a normal credit card on the FreeCharge app and on partner websites.
- Earn eDGE Rewards Points on eligible transactions.
Features and Benefits of Axis Bank FreeCharge Credit Card
Virtual Instant Credit Card:
- This is an invite-only credit card. So, if you are eligible for this card, you will see the banner for the same on your FreeCharge mobile application.
- Once your card application has been approved, you will find the card under the 'Saved Cards' section of the app. You can then go ahead and use this like you would any other credit card.
- Moreover, the card can also be used on partner websites which offer FreeCharge as a payment option.
- Since the card is on your phone, you don't have to worry about wallet space or losing the physical copy of your card.
Rewards:
With this card, you get:
- 1 eDGE Rewards Point on eligible transactions.
Milestone Rewards
Charge a particular amount to your Axis Bank FreeCharge Credit Card each month and earn eDGE Rewards Points for milestone spends.
Here's how many points you can earn on your monthly spends:
Monthly Spends | eDGE Rewards Points Earned |
Rs.0 to Rs.1,999 | 0 |
Rs.2,000 to Rs.4,999 | 100 |
Rs.5,000 and more | 350 (100 + 250) |
You can check out all the details with respect to your credit card on the Axis Bank mobile application as well. When you select the 'View Card Details' section, you can check out the card's functionality.
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Reward Point Benefits on Your Axis Bank FreeCharge Credit Card
As mentioned earlier, you earn 1eDGE Rewards Point on all eligible transactions made with your Axis Bank FreeCharge Credit Card.
Moreover, you also earn milestone rewards when you spend a certain amount each month.
Monthly Spends | eDGE Rewards Points Earned |
Rs.0 to Rs.1,999 | 0 |
Rs.2,000 to Rs.4,999 | 100 |
Rs.5,000 and more | 350 (100 + 250) |
Fees and Charges of Axis Bank FreeCharge Credit Card
Particulars | Amount |
Joining fee/issuance fee | Rs.250 + taxes |
Annual fee | Rs.250 + taxes |
Interest rate | 3.4% per month |
EMI interest rate | 1.5% per month |
EMI processing fee | 1.5% of the amount |
Minimum payment amount | 5% of the outstanding balance |
Late payment fee | - Up to Rs.100: Nil - Rs.101 to Rs.300: Rs.100 - Rs.301 to Rs.1,000: Rs.300 - Rs.1,001 to Rs.5,000: Rs.500 - Rs.5,001 to Rs.10,000: Rs.600 - Rs.10,001 and more: Rs.700 |
Over limit fee | Rs.3% of the amount over the limit, subject to a minimum of Rs.500 |
Cash advance fee | 2.5% of the amount withdrawn subject to a minimum of Rs.250 |
Issuance of physical card (subject to terms and conditions being met) | Rs.250 + taxes |
How to Apply for the Axis Bank FreeCharge Credit Card
This credit card is an invite-only card. If you are one of the few customers who can see the banner invite on your free-charge app, all you have to do is click the image and follow the instructions provided.
Documents Required for Axis Bank FreeCharge Credit Card
The documents you may be required to submit will be mentioned to you by the bank. In general, the documents you may have to submit are:
- Identity-related documents: These include your PAN card, Aadhaar card, passport, etc.
- Income proof documents: Your payslip, income tax returns, Form 16, etc. can be used as income proof documents.
- Address proof documents: These documents include your Aadhaar card, passport, etc.
FAQs on Axis Bank FreeCharge Credit Card
- Can I use my virtual credit card on all websites?
No. You can use this card only on websites which offer FreeCharge as a payment option.
- What is the validity period for the eDGE points earned?
Your eDGE points are valid for three years from the date in which they are earned. So, if you earn points on 25 July 2023, they will expire on 25 July 2025.
- What will happen to my points if there is no activity in my account?
eDGE points earned will expire if there is no activity in your account for over 365 days. This means that if you haven't made any transactions which have earned points, redeemed your points, or haven't logged into your account for 365 days, any accumulated points will expire on the 366th day.
- Can the product I have redeemed be delivered to the address of my choice?
No. The product for which you have redeemed your points will be delivered to your registered address. If you wish for it to be delivered to a different address, make sure you contact the bank, get your details changed, and then proceed with redeeming your points.
- Can I get a physical card as well?
Yes, you can get a physical card. However, you will have to first meet the terms and conditions set out for physical issuance of the card. Additionally, you will have to make a payment of Rs.250 (excluding taxes) to get a physical card.
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