Axis FreeCharge Plus Credit Card Full Application Process & Benefits ❤️ ✨

[D₹V]

Application Process:
1. On 6th January, I opened FreeCharge clicked that banner, entered number & DOB & pressed back.
2. After few minutes an Executive called me regarding this, it was triggered by me.
3. During 15 minutes call, she guided me to fill my application correctly (e.g. for house number enter 'House no01', etc).
4. At, 4:48 got option of Video KYC, p.s. when I clicked on KYC button in app then only link came in SMS too.
5. KYC was also completed in 5 minutes (2 minute KYC promise is true ).
6. At, 6:30 pm I got confirmation call (agent) for application.
7. Tracking on Axis website is almost 12-24 hr late, they were unable to fetch details.
8. At 00:00 got SMS for application with reference number.
9. Next day, got IVR call at 3:40 pm for address & application confirmation.
10. Booyah! At 8:50 pm same day, got approved .
11. On 8th Jan, it was shipped & 11th Jan delivered.
12. It is my first credit card , BTW that metallic digit feels amazing in hand.

Charges:
1. Joining charges free & ₹350 + GST which you'll get waived on 50k spends. Rent & wallets spends are excluded for annual waiver.
2. 1% + GST charges if you do any utility payments on FreeCharge except prepaid mobile recharge.

Benefits:
1. 5% unlimited cashback on FreeCharge payments (including recharge, electricity bill etc)
2. 2% unlimited cashback on commute (i.e. Uber, Ola etc but I got only 1% cashback on Uber-Paytm add money)
3. 1% unlimited cashback on other transactions online/offline including Govt transactions (except rent, fuel, wallet etc but I get 1% cashback on wallet reloads on FreeCharge app).

Review: 50k spend for waiver is not much for me in a year (Mini-LTF ). It didn't even ask income proofs or salary slip. Although I was confident over call. I would say, good entry level cashback card from Axis Bank which anyone can get. In my opinion, anyone who wants to start their CIBIL/card journey shouldn't apply pay later loans & apply this card because of no income proofs & easy approval.

Cashbacks I've got till date on categories:
1. Recharge - 5%
2. Ebill - 5%
3. Education - 1%
4. Govt & Tax - 1%
5. Payment via FC wallet on gateways - 1 or 5% randomly (sometimes I get 5%, sometimes 1%).
6. FC Wallet add money - 1%
7. Other wallets add money - 0%
8. EMI cancellation post conversation - 1% (or as per category applicable on merchant).

Updated on 12/08/23. Axis have devaluated their most cards in last few months except this. Still provides 1% on Govt & Education Payments. This card is still strong.

Thank You for reading the long post . Ask me if you have any query.

 

[FinoGuy]

Not somehow.

FreeCharge MCC is Utility only.

Where did you load wallet?

For fc wallet load, I am not sure what's coming nowadays as my fc wallet is inactive from few months. Moreover I have kept this fc card nicely in corner of cupboard. No plans to use it either. If I get cb for edu payment I may continue., else I will close the card in few months..

 

[D₹V]

I guess this merchant id freecharge payment techno has different mccs. I tried edu payment and ftg last month. Both txn had this same merchant name. But in statement got different categories one as travel & other as education.

Might be but for wallet load & most payments on FC, it's utility MCC.

 

[D₹V]

Moreover I have kept this fc card nicely in corner of cupboard.

TBH, this card feels amazing in hand than other plastic cards.

That digit texture .

 

[FinoGuy]

TBH, this card feels amazing in hand than other plastic cards.

That digit texture .

True, I once gave my card to restaurant cashier to pay my bill. I told him to wait> opened the app>enabled contactless txn>told him to tap & pay,
He didn't read which card it is, tapped on pos machine and payment was done. after he handed me the card, he asked me which card is it? & Whether any premium account needed to get the card & not..?
I told., ya it's a special edition card, for premium customers only (laughing inside) & didn't allow him to see the card and took it away..
(Similar incident happened with my lic signature card and with my Junio card at a petrol station)

 

[D₹V]

True, I once gave my card to restaurant cashier to pay my bill. I told him to wait> opened the app>enabled contactless txn>told him to tap & pay,
He didn't read which card it is, tapped on pos machine and payment was done. after he handed me the card, he asked me which card is it? & Whether any premium account needed to get the card & not..?
I told., ya it's a special edition card, for premium customers only (laughing inside) & didn't allow him to see the card and took it away..
(Similar incident happened with my lic signature card and with my Junio card at a petrol station)

These days, Tata Neu, Myntra, etc cards I've got..

All are not good in hand feel TBH.