{
  "id": "axis-freecharge-credit-card",
  "locale": "hi",
  "name": "Axis Bank Freecharge Credit Card",
  "bank": "Axis Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹250 + GST",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "फ्रीचार्ज बिल व रिचार्ज पर 5% · 2% ओला/उबर · 1% अन्य रिटेल खर्च",
  "bestFor": "बिजली-पानी बिल, मोबाइल रिचार्ज, कैब बुकिंग और ₹50,000 का आसान शुल्क माफी लक्ष्य",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-bank-freecharge-credit-card",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate and low annual fee offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "axis-freecharge-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Freecharge Credit Card schedule of charges",
    "Freecharge & Axis Bank — 5% utility cashback and fee waiver terms"
  ],
  "feeWaiver": "₹50,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "फ्रीचार्ज बिल भुगतान",
      "value": "5% फ्लैट कैशबैक"
    },
    {
      "key": "ओला व उबर कैब",
      "value": "2% फ्लैट कैशबैक"
    },
    {
      "key": "अन्य सभी खर्च",
      "value": "1% फ्लैट कैशबैक"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹250 + GST"
    },
    {
      "key": "शुल्क माफी",
      "value": "₹50,000 सालाना खर्च"
    },
    {
      "key": "स्वागत उपहार",
      "value": "₹250 Freecharge Voucher"
    }
  ],
  "earnRates": [
    {
      "category": "Freecharge यूटिलिटी बिल व मोबाइल रिचार्ज",
      "rate": "5.0% Flat Cashback",
      "monthlyCap": "₹500 / माह",
      "perLakhSpent": "₹5,000 (अधिकतम ₹500/माह)"
    },
    {
      "category": "Ola व Uber कैब राइड्स",
      "rate": "2.0% Flat Cashback",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "₹2,000"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "1.0% Flat Cashback",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "₹1,000"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Freecharge ऐप बिल",
      "multiplier": "5×",
      "rate": "5.0%",
      "monthlyCap": "₹500 / माह",
      "dailyCap": "—",
      "note": "बिजली, पानी, गैस, मोबाइल और DTH।"
    },
    {
      "channel": "Ola व Uber कैब",
      "multiplier": "2×",
      "rate": "2.0%",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "राइड बुकिंग पर 2% फ्लैट।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ऑटो स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹1.00 प्रति ₹1.00 कैशबैक",
      "minPoints": "₹0 (ऑटो-क्रेडिट)",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद (सरचार्ज माफी लागू)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹250 + GST (₹250 Freecharge वाउचर स्वागत उपहार)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹250 + GST (₹50,000 खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.6% प्रति माह (43.2% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "18 से 70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹15,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}