The Axis Bank NEO Credit Card is an excellent choice for individuals seeking a rewards-rich credit card with added benefits and financial flexibility. Its flexible reward program and comprehensive perks make it a valuable addition to your financial toolkit.
Welcome Benefit: Enjoy 100% cashback up to ₹300 on your first utility payment within 30 days of card issuance.
Online Shopping Discounts:
10% off on Blinkit, up to ₹250 per month.
₹150 off on Myntra purchases over ₹999.
10% off on BookMyShow movie tickets, up to ₹100 per month.
5% off on utility bill payments via Amazon Pay, up to ₹150 per month.
Food Delivery Offer: 40% off on food delivery orders via Zomato, up to ₹120 per order, twice a month.
Dining Delights: 15% discount at partner restaurants through EazyDiner.
Reward Points: Earn 1 EDGE Reward Point for every ₹200 spent.
Add-on Cards: Free add-on cards for family members.
Secure Transactions: EMV chip and PIN-enabled card for enhanced security.
Axis Bank NEO Credit Card offers the following features and benefits:
EDGE Reward Points: Earn 1 point per ₹200 spent.
Redemption: Points can be redeemed for merchandise, travel bookings, and gift vouchers.
Blinkit: 10% off on grocery orders, up to ₹250 per month.
Myntra: ₹150 off on purchases over ₹999 on select styles.
BookMyShow: 10% off on movie tickets, up to ₹100 monthly.
Paytm: 5% off on utility bill payments, up to ₹150 monthly.
Zomato: 40% off on food delivery orders, up to ₹120 per order, twice a month.
EazyDiner: 15% discount at partner restaurants
Utility Payments: 5% off on mobile recharges, broadband, and DTH payments via Amazon Pay.
Fuel Surcharge: 1% surcharge on fuel transactions.
EMI Conversion: Convert large purchases into easy EMIs.
Interest-Free Period: Up to 50 days on retail purchases.
Cash Advance: Withdraw cash up to 40% of the credit limit.
Add-on Cards: Free add-on cards for family members.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹250 (Lifetime Free for select channels) |
| Annual Fee | ₹250 (Lifetime Free for select channels) |
| Add-on Card Fee | Nil |
| Card Replacement Fee | Nil |
| Cash Payment Fee | ₹175 |
| Duplicate Statement Fee | Waived |
| Finance Charges (Retail) | 3.75% per month (55.55% per annum) |
| Cash Withdrawal Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher |
| Late Payment Fee | ₹500 to ₹1,200 (depending on outstanding amount) |
| Over Limit Fee | 2.5% of over limit amount, subject to a minimum of ₹500 |
| Foreign Currency Transaction Fee | 3.5% of the transaction value |
| Reward Redemption Fee | ₹49 for redemptions between 300 and 10,000 points; ₹99 for redemptions above 10,000 points |
| Fuel Transaction Surcharge | 1% of transaction amount |
| Utility Transaction Fee | 1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle |
| Wallet Load Transaction Fee | 1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle |
| Education Payment Fee | 1% fee per transaction on education payments made via third-party apps |
| Online Skill-Based Gaming Transaction Fee | 1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle |
Below are the AXIS Bank NEO Credit Card Eligibility criteria:
Age: 18 to 70 years
Income:
Salaried: Minimum monthly income of ₹15,000
Self-Employed: Minimum annual income of ₹1.8 lakh
Residency: Indian residents or Non-Resident Indians (NRIs)
If you want Axis Bank NEO Credit Card apply online with the following documents:
Identity Proof: PAN Card, Passport, Aadhaar Card, or Driving License
Address Proof: Utility Bill, Passport, Ration Card, or Voter ID
Income Proof:
Salaried: Latest salary slip or Form 16
Self-Employed: Income Tax Returns (ITR)
Photograph: Recent passport-sized color photograph
