Axis Bank Freecharge Plus Credit Card

Description	Charges
Joining Fee	₹350
Annual Fee	1st year : NIL 2nd year : ₹350 Rent Transactions and wallet load transactions will not be eligible for spends counted in availing annual fee waiver
Card Replacement fee	Nil
Cash Payment fee	₹175
Duplicate Statement Fee	Waived
Charge slip retrieval fee or copy request fee	Waived
Outstation cheque fee	Waived
Finance Charges (Retail purchases and Cash)	3.75% per month
Cash withdrawal fee	2.5% (Min. ₹500) of the cash amount
Late Payment Fee	Nil if Total Payment Due is less than ₹500 ₹500 if total payment due is between ₹501 - ₹5,000 ₹750 if total payment due is between ₹5,001 - ₹10,000 ₹1200 if total payment due is greater than ₹10,000 An additional charge of ₹100 will be applicable if the payment of Minimum Amount Due (MAD) is not made by the Payment Due Date (PDD) for two consecutive billing periods.
Over limit penalty	2.5% of the over limit amount (Min ₹500)
Cheque return, dishonour fee, or auto-debit reversal	2% of the payment amount subject to Min. ₹500
Surcharge on purchase or cancellation of railway tickets	As prescribed by IRCTC/Indian Railways
Foreign currency transaction fee	3.5% of the transaction value.
Rent Transaction	1% on each rental transaction
Wallet load transaction	1% fee will be applicable on cumulative wallet load transactions of ₹10,000 or more in a statement cycle
Fuel Transaction	1% fee will be applicable on cumulative fuel transactions of ₹50,000 or more in a statement cycle
Education Transaction	1% fee will be applicable on each education payments done through third party apps
Utility Transaction	1% fee will be applicable on cumulative spends of ₹25,000 or more made towards utility payments in a statement cycle within a statement period
Online skill-based gaming	1% fee will be applicable for cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement period
Dynamic Currency Conversion Markup	1.5% plus taxes will be applicable for each international transaction performed in Indian currency or International location or transactions performed in Indian currency with merchants located in India but registered in foreign nation

Details	Annual Spends(₹)	Cashback(₹)	Discount/Benefits(₹)
Spends on Freecharge	15,000	750
Spends on Local commute	10,000	200
Other Spends	85,000	850
Welcome Benefits			700**
Annual Fee Waiver			350
Total Annual Spends	1,10,000	1,800	1,050
Total Annual Benefits		2.59%*