How is Freecharge Plus credit card?

https://www.axisbank.com/docs/default-source/de...

they charge convenience fees on bill payment before max limit of CB was 500 rs now its unlimited but with convenience fees 

very good beginners card. Annual spend of 50k can be easily achieved. But since you have Flipkart Axis card, I ld like to advise you to close the freecharge card. 

bikidas2060 wrote:

very good beginners card. Annual spend of 50k can be easily achieved. But since you have Flipkart Axis card, I ld like to advise you to close the freecharge card. 

I am looking for a card for bill payment..so flipkart card cannot be compared to this? 5% vs 1.5%.. Also if insurance payment allowed via credit card in freecharge(need to confirm)it is the best card available as ace gives only 2% cashback..My total bills around 50k/year(including insurance payment)..so it gives around 2500 cashback and annual fee waived off at 50k..

bikidas2060 wrote:

very good beginners card. Annual spend of 50k can be easily achieved. But since you have Flipkart Axis card, I ld like to advise you to close the freecharge card. 

there is a trick for convenience charge. Load the freecharge wallet with some money. I guess they charge convenience money on bills above 1000. Yes there ll be some convenience charges 30-40 rupees maybe. If the bill is 1050. Load 60 in wallet. CC convenience fee ll be nil. If the bill is above 1500-1600 then don’t bother with the wallet cc math. Cashback ll be more than the convenience fee. 

bikidas2060 wrote:

there is a trick for convenience charge. Load the freecharge wallet with some money. I guess they charge convenience money on bills above 1000. Yes there ll be some convenience charges 30-40 rupees maybe. If the bill is 1050. Load 60 in wallet. CC convenience fee ll be nil. If the bill is above 1500-1600 then don’t bother with the wallet cc math. Cashback ll be more than the convenience fee. 

Is convience fee is there?? I am seeing mixed response..also wallet is excluded from cashback according to their t&c

@Scorpion

bikidas2060 wrote:

there is a trick for convenience charge. Load the freecharge wallet with some money. I guess they charge convenience money on bills above 1000. Yes there ll be some convenience charges 30-40 rupees maybe. If the bill is 1050. Load 60 in wallet. CC convenience fee ll be nil. If the bill is above 1500-1600 then don't bother with the wallet cc math. Cashback ll be more than the convenience fee. 

roh464 wrote:

I am looking for a card for bill payment..so flipkart card cannot be compared to this? 5% vs 1.5%.. Also if insurance payment allowded via credit card in freecharge(need to confirm)it is the best card available as ace gives only 2% cashback..My total bills around 50k/year(including insurance payment)..so it gives around 2500 cashback and annual fee waived off at 50k..

https://www.desidime.com/deals/5-cb-now-truly-u...

For lic payment, we can only pay with UPI, card option disabled in FreeCharge

Other life insurance we can pay with this

Scorpion wrote:

https://www.desidime.com/deals/5-cb-now-truly-u...

For lic payment, we can only pay with UPI, card option disabled in FreeCharge

Other life insurance we can pay with this

Thanks.. I was looking for this confirmation..could you please confirm about convenience fee?? Tried to check with mobile recharge above 2500, no convenience fee shown via credit card. I can’t check anything other bills as none of them are about to due.

roh464 wrote:
Thanks.. I was looking for this confirmation..could you please confirm about convenience fee?? Tried to check with mobile recharge above 2500, no convenience fee shown via credit card. I can't check anything other bills as none of them are about to due.

Scorpion wrote:

Mobile recharge, postpaid, landline and DTH, no conv fee for any amount.

For EB, for my biller upto 1000 no conv fees.

I have last paid Insurance in oct for 30000. No conv fees charged at that time.

Thanks brother..Looks like this card is pretty good except EB payment..but for.me bill is below 1k..so looks like an ideal card for me..only thing I missing is LIC bill payment ..How.much is the convenience fee for electricity bill payment??

roh464 wrote:

Thanks brother..Looks like this card is pretty good except EB payment..but for.me bill is below 1k..so looks like an ideal card for me..only thing I missing is LIC bill payment ..How.much is the convenience fee for electricity bill payment??

1000 to 2000, they charge 0.85 pct
Above 2000, they charge 1.1 pct

Scorpion wrote:

1000 to 2000, they charge 0.85 pct
Above 2000, they charge 1.1 pct

Does rent pay gives any cashback? It is excluded from 5% , but 1% applicable?

Scorpion wrote:

1000 to 2000, they charge 0.85 pct
Above 2000, they charge 1.1 pct

And +18% GST on Convenience Fee too bro.

. 

Axis freecharge vs axis airtel which one is better?

kartikxxx wrote:

Axis freecharge vs axis airtel which one is better?

Airtel anyday

Tanmayyy wrote:

Airtel anyday

useful if you are airtel customer?eventhough rewards looks good, capping on each category doesn’t looks good. I feel like ACE/Freecharge still better than airtel.

roh464 wrote:

useful if you are airtel customer?eventhough rewards looks good, capping on each category doesn’t looks good. I feel like ACE/Freecharge still better than airtel.

Freecharge has convience fees which kills the deal , ace wasn’t mentioned in his comment so didn’t bother to compare it.

Tanmayyy wrote:

Freecharge has convience fees which kills the deal , ace wasn’t mentioned in his comment so didn’t bother to compare it.

Yeah..But as @Scorpion said convience fee is only applicable to EB only above 1k as of now and we can pay insurance with 5% cb(not LIC)..Does airtel card gives 10% cb to non airtel mobile recharges?

roh464 wrote:

Yeah..But as @Scorpion said convience fee is only applicable to EB only above 1k as of now and we can pay insurance with 5% cb(not LIC)..Does airtel card gives 10% cb to non airtel mobile recharges?

Yes it does give if done through airtel app

roh464 wrote:

Does rent pay gives any cashback? It is excluded from 5% , but 1% applicable?

Not tried rent payment in any of my cards. So can’t confirm from my end.

Tanmayyy wrote:

Yes it does give if done through airtel app

I agree now..Airtel looks better for bills 3k-6k/month..and 10% at partner merchants is also missing in freecharge..

roh464 wrote:

I am looking for a card for bill payment..so flipkart card cannot be compared to this? 5% vs 1.5%.. Also if insurance payment allowed via credit card in freecharge(need to confirm)it is the best card available as ace gives only 2% cashback..My total bills around 50k/year(including insurance payment)..so it gives around 2500 cashback and annual fee waived off at 50k..

For regular bills payments  Airtel Axis card is better

kartikxxx wrote:

Axis freecharge vs axis airtel which one is better?

For normal POS/online FK, for bill payment Airtel. So best would be a combination of both.

After applying from FC app and doing vkyc, got mail from axis_system on 5/7/22 regards processing of application at 11am:

Thank you for applying for Axis Bank Credit Card, the final decision will be communicated within 72 hours

FC app says:

KYC successful. Your application is being processed.

3 days have passed, no update yet. Those who have applied and received FC axis card please share your experience regarding approval time.

No call or agent visit yet. Not an active Axis customer but held secured card and account for 3 years and closed in 2012 without any dispute.

roh464 wrote:

I am looking for a card for bill payment..so flipkart card cannot be compared to this? 5% vs 1.5%.. Also if insurance payment allowed via credit card in freecharge(need to confirm)it is the best card available as ace gives only 2% cashback..My total bills around 50k/year(including insurance payment)..so it gives around 2500 cashback and annual fee waived off at 50k..

Scorpion wrote:
https://www.desidime.com/deals/5-cb-now-truly-u... For lic payment, we can only pay with UPI, card option disabled in FreeCharge Other life insurance we can pay with this