Freecharge Axis Bank Credit Card 2025
2% Cashback Everywhere
Lifetime Free
UPI Enabled
₹500 Welcome
Save over ₹7,000+ every year with 2% cashback on EVERYTHING + NO FEES!
Best flat cashback card! Freecharge Axis gives 2% cashback on all spends, lifetime free, UPI payments, and ₹500 welcome cashback.
Perfect for simple cashback lovers!
Why Choose Freecharge Axis in 2025?
2% everywhere • Lifetime free • UPI cashback • Instant redemption • No caps
Best for: Cashback seekers, UPI users, simple rewards
Card At a Glance
Joining Fee
₹0 (Lifetime Free)
₹0 (Lifetime Free)
Annual Fee
₹0 (Never)
₹0 (Never)
Cashback Rate
2% Everywhere
2% Everywhere
Lounge Access
None
None
Forex Markup
3.5%
3.5%
Welcome Gift
₹500 Cashback
₹500 Cashback
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Never Charged) |
| Cashback | 2% on ALL spends |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (up to ₹400) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 2% cashback on ALL spends (no exclusions)
- ₹500 welcome cashback on first transaction
- Instant redemption to Freecharge wallet
- No monthly/annual caps
- Cashback credited next day
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹1 Lakh purchase protection
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 2% EVERYWHERE | No lounge access |
| Lifetime FREE | 3.5% forex markup |
| UPI cashback | Freecharge wallet only |
| Instant redemption | Basic insurance |
| No caps/limits |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- Minimum Annual Income: ₹2 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit Axis Bank website
- Select Freecharge Axis → Apply
- Fill basic details
- Video KYC (1 minute)
- Virtual card + ₹500 cashback instantly
Final Verdict – Should You Get It in 2025?
Best flat 2% cashback! Everywhere + lifetime free + UPI = ₹7,000+ value. Perfect for simple cashback!
Frequently Asked Questions (FAQs)
2% on ALL spends?
Yes! No exclusions or caps.
Instant cashback?
Yes! Next day to Freecharge wallet.
UPI cashback works?
Yes! Full 2% on UPI payments.
Lifetime free guaranteed?
Yes! No fees ever.
Easy approval?
Yes! ₹2L income + good credit.