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.

 

[D₹V]

Are payment at schools (education payments) are still eligible for 1% cashback?? Or is devalued now?

Axis is shit now.

All devaluated.

 

[pinki]

Axis is shit now.

All devaluated.

Time to wipe off this shit then😂

 

[D₹V]

Time to wipe off this shit then😂

Yeah... Cards lying in drawer 🙂.

 

[pinki]

Yeah... Cards lying in drawer 🙂.

He he 😅 same

 

[Orio]

@D₹V I've done travel booking, settled down under MCC 4722.

4722 - are we getting / eligible for 5% cashback on freecharge plus cc?

 

[FinoGuy]

@D₹V I've done travel booking, settled down under MCC 4722.

4722 - are we getting / eligible for 5% cashback on freecharge plus cc?

Only if you did txn inside freecharge app. Else no

 

[Orio]

Only if you did txn inside freecharge app. Else no

I've selected freecharge wallet then paid via freecharge website.

 

[AkashnAkashn is verified member.]

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.
View attachment 9096

Kitna limit mila tha aur ab kitna hai?

 

[FinoGuy]

I've selected freecharge wallet then paid via freecharge website.

Then you've to be lucky to get 5%. Some peeps got 1% in past. But I think now it's fixed. Let's c us @D₹V has any recent experience

 

[Orio]

Then you've to be lucky to get 5%. Some peeps got 1% in past. But I think now it's fixed. Let's c us @D₹V has any recent experience

In Axis app showing txn as Freecharge Payment Techno, Maharashtra, IN
called customer care and asked for MCC then he told me 4722.

 

[Yugi]

@D₹V First card is always special, I read the post. The enthusiasm you wrote the post when you first got this card, I can feel it 🙂

 

[FinoGuy]

In Axis app showing txn as Freecharge Payment Techno, Maharashtra, IN
called customer care and asked for MCC then he told me 4722.

AFAIK, it'll not fetch 5%. Let's c.. Pls update here after subsequent 2nd statement

 

[D₹V]

@D₹V I've done travel booking, settled down under MCC 4722.

4722 - are we getting / eligible for 5% cashback on freecharge plus cc?

5% is only for Ondeck txns (on FreeCharge app)

1% is for all txns.

You'll get 1% cashback only.

Previously we used to get 5% via FreeCharge wallet method on merchants sites but that's fixed now.

You'll get probably 1 or 2% only.

2% is for uber, shuttle, etc but never fetched 2% cashback for me on travel sites.

 

[D₹V]

Kitna limit mila tha aur ab kitna hai?

Jitna tha utna hi hai 🤣, time flies.

Now I don't use this card 😂.

Switch to HDFC Saga.

 

[Orio]

AFAIK, it'll not fetch 5%. Let's c.. Pls update here after subsequent 2nd statement

I've checked T&C documents but not showing in excluded MCC list. but if no cashback for 4722 MCC then big loss.
my bad luck, didn't choose other wallets even amazon was there.

 

[D₹V]

@D₹V First card is always special, I read the post. The enthusiasm you wrote the post when you first got this card, I can feel it 🙂

Yes, it was special 😊.

Gave cashback upto 3.8% after GST n all.

Now I don't use this that much, already met milestone waiver but won't be doing it again.

Will just reverse via retention team or close it later.

Using only when there is no offer for recharges n bill payments.

Note that I've scheduled all recharges & bills on Friday (RuPay Offer) which offers 20% valueback 🔥✌️.

 

[D₹V]

I've checked T&C documents but not showing in excluded MCC list. but if no cashback for 4722 MCC then big loss.
my bad luck, didn't choose other wallets even amazon was there.

Either cancel it (but charges will be there I guess)

Else you'll get 1% cashback for sure.

 

[FinoGuy]

I've checked T&C documents but not showing in excluded MCC list. but if no cashback for 4722 MCC then big loss.
my bad luck, didn't choose other wallets even amazon was there.

All non freecharge app txns are excluded from 5%cashback.
1%is base cashback. For wallet loads 0%.but somehow it was giving 1%cb until recently.

---

You can always cancel the booking and make fresh booking using good offer

 

[D₹V]

somehow it was giving 1%cb until recently.

Not somehow.

FreeCharge MCC is Utility only.

Where did you load wallet?

 

[FinoGuy]

Not somehow.

FreeCharge MCC is Utility only.

Where did you load wallet?

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.