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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

Axis Bank Neo


Axis Bank Neo Credit Card is an entry-level lifestyle credit card designed for everyday savings on food, utility bills, shopping, and entertainment. It is a low-cost (often lifetime free) card that offers discounts on popular platforms like Zomato, Paytm, Blinkit, and Myntra, making it ideal for young users and first-time credit card holders.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI (subject to bank conditions)
Age: 18 to 60 years
Salaried or self-employed individual
Stable income source
Good CIBIL score (750+ preferred)

Features & Benefits

Flat ₹120 discount on Zomato orders (twice a month)
5% cashback on utility bill payments via Paytm
10% discount on Blinkit, BookMyShow & Myntra offers
1 EDGE Reward Point per ₹200 spent
Welcome benefit: 100% cashback up to ₹300 on first utility payment
1% fuel surcharge waiver on eligible transactions
EMI conversion available on spends above ₹1,500
Contactless & secure transactions

Fees & Charges

Joining Fee: ₹250 + GST (lifetime free in select offers)
Annual Fee: Nil (1st year), ₹250 from 2nd year onwards
Joining Fee: ₹250 (lifetime free in select offers)
Annual Fee: Nil (1st year), ₹250 from 2nd year onwards
Interest Rate: ~3.5%–3.75% per month (~42%–55% p.a.)
Cash Withdrawal Fee: 2.5% (min ₹500)
Foreign Currency Markup: ~3.5%
Late Payment Charges: As per bank policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof
Income Proof (Salary Slip / ITR / Form 16)
Passport-size photographs

FAQs

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Yes, it is lifetime free in select offers; otherwise ₹250 annual fee applies from the second year.

You get discounts on Zomato, 5% cashback on Paytm utility payments, and offers on Blinkit, Myntra, and BookMyShow.

Yes, it is one of the best entry-level credit cards for first-time users.

Yes, you earn 1 EDGE Reward Point per ₹200 spent.

Yes, transactions above ₹1,500 can be converted into EMI.

Terms & Conditions

Offers and discounts are subject to merchant/category limits
Approval is subject to Axis Bank credit policy
Fees and charges may change as per bank guidelines
Late payments may attract penalties and affect credit score
Cashback and rewards may have caps and conditions

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Card At A Glance
Joining Fee ₹250 + GST (lifetime free in select offers)
Annual Fee Nil (1st year), ₹250 from 2nd year onwards
Rewards Flat ₹120 discount on Zomato orders (twice a month)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type AXIS BANK