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Axis Bank Neo Credit Card

★★★★☆(4.5)

Imagine a credit card that not only rewards your everyday spending but also opens doors to a world of exclusive privileges. That's precisely what the Axis Bank Neo Credit Card offers. You can enjoy a host of perks, including savings on your utility bills, discounts on Zomato, and 15% off with the Dining Delights program, to name a few. The joining and annual fee for this card is just ₹250, making it an affordable choice for anyone looking to maximise their rewards. Keep reading to learn more about the features of this card and how it can help you save money. 👇

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Axis Bank Neo Credit CardFromSBI Bank
Powered ByVisa
Features and Benefits

Aspects that make spending using this card lit as the sun!

✔Welcome Bonus
✘Travel
✘Fuel
✔Rewards
✔Shopping
✘Cashback
✔Dining
✘Insurance
✘Interest
Welcome Bonus
Welcome Bonus
  • Note: Eligible customers will receive the voucher code via SMS on a registered mobile number within 45-60 days of 1st spend.
  • Amazon gift voucher worth ₹250.
  • Zomato voucher worth ₹200.
  • Blinkit voucher worth ₹250.
  • Pharmeasy 6 months subscription.
Dining Benefit
Dining Benefit
  • Note: Minimum Order Value ₹1500
  • 15% off on dining at partner restaurants.
  • Dining Delights Program via EazyDiner.
  • 40% off on food delivery at Zomato.
Zero Lost Card Liability
Zero Lost Card Liability
  • Protection against any fraudulent use of the card
  • Note: Report the loss at customer care immediately at 18605005555 or 18604195555.
EMI Benefit
EMI Benefit
  • Facility to convert purchases into EMIs through mobile app, internet banking or customer service.
  • Note: This is valid for any transaction over ₹2500.
Reward Points
Reward Points
  • 1 EDGE reward point on every ₹200 spent via Axis Bank Neo Credit Card. To redeem points, check the EDGE rewards catalogue.
  • Reward Rate: 0.1%
Other Benefit
Other Benefit
  • 10% off on Blinkit - upto ₹250 off on minimum spend of ₹750, valid once per month.
  • 5% off on mobile recharges/ broadband payment/DTH recharge done through Amazon Pay, valid once per month.
Shopping Benefit
Shopping Benefit
  • 10% off on Myntra every time you shop on minimum purchase of ₹500.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹250

Annual Fee

₹250

Annual Percentage Rate

52.86%

Add-on Card Fee

Nil

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

Nil

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

Nil

Reward Point Value

₹0.20
Pros

Aspects that make this credit card amazing.

  1. ⮚1 EDGE point on every ₹200 spent.
  2. ⮚Activation vouchers worth ₹700.
  3. ⮚Transactions over ₹2500 can be converted into EMIs.
  4. ⮚Affordable joining fee and renewal fee of ₹250.
  5. ⮚Annual savings up to ₹11,000 on card purchases.
Cons

Aspects this credit card lacks.

  1. ⮚Customer can avail the Zomato discount up to twice a month.
  2. ⮚Minimum order value to avail of dining benefit is ₹ 1500.
  3. ⮚No fuel surcharge waiver.
  4. ⮚No reward point on Fuel, Rent, Utilities, Educational Services, Government Institutions.

Axis Bank Neo Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

If you frequently make online purchases, you may find it worthwhile to consider applying for the Axis Bank credit card. This card provides reasonable discounts on various online purchases, including clothing, daily-use items, and other lifestyle products. Additionally, you can use the card to save money on movie tickets and bill payments at a low annual fee. It is important to note, however, that this card does not offer any travel benefits or complimentary lounge access. If you need a card that provides travel benefits, you should explore other options. Cards similar to Axis Bank Neo Credit Card: 1. Axis Bank Ace Credit Card 2. Amazon Pay ICICI Credit Card 3. Myntra Kotak Credit Card

Overview

Best ForOnline Shopping
Joining Fee₹250
Annual Fee₹250
Welcome BonusVouchers worth ₹700
Card TypeCashback
Card NetworkVisa

Who should get an Axis Bank Neo Credit Card?

The Axis Bank Neo Credit Card is designed for individuals who like to shop through apps. Discounts on food delivery at Zomato, BookMyShow, Myntra, and Blinkit are offered to attract the target audience. To encourage users to use their card for almost every purchase, the bank offers benefits up to ₹11,000. Also, the card comes with a chip and PIN feature to give cardholders the confidence to use it at multiple channels. Further, the zero lost liability ensures the users are protected against any fraudulent use of the card from the moment the loss is reported.

The bottom line is anybody who is fascinated by the reward points and is ready to use the card for anything from eating to EMIs, should get Axis Bank Neo Credit Card.

How to Apply for an Axis Bank Neo Credit Card?

1. Apply for an Axis Bank Neo Credit Card Online

  • Interested individuals can apply for Axis Bank Neo Credit Card with just a few online steps, described below:
  • Visit the official website of Axis Bank.
  • Click on “Explore Products” under the “Personal” section in the top menu.
  • Now click on “Credit Cards”.
  • Access “Apply Now” in the header image.
  • The link will take you to the page “Credit Card Online Application”.
  • Respond “Yes” or “No” to the question, “Are you an existing Axis Bank customer?”
  • Click on “Mobile No” if the user is a new customer.
  • Fill in the details including Mobile no., Date of birth, or PAN.
  • The user will see different options according to his or her eligibility.
  • Proceed with the suited offer and complete the application.

Axis Bank Neo Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

    Documents Required

    • Proof of identity: Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
    • Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
    • Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.