Axis Bank NEO Credit Card
Entry-level lifestyle card with selected dining and entertainment offers.
Details reviewed 2026-09-21
Annual feeAxis Bank NEO Credit Card at a glance
Axis Bank NEO is positioned as an entry-level lifestyle card. Current issuer notices show that benefit rules and excluded spend categories can change, so users should check the latest terms before applying.
Rewards & benefits
EDGE Reward Points on eligible spends; exclusions apply.
No verified welcome benefit is stored for this card; check the current issuer offer.
No core lounge benefit recorded in this starter profile.
No verified fuel benefit is stored for this card; check current issuer terms.
Offers in detail
| Feature | Details |
|---|---|
| Activation benefit | 100% instant cashback up to ₹300 on the first eligible utility-bill payment made within 30 days of card issuance. |
| Zomato | Flat ₹120 off on eligible Zomato orders, up to twice per month. Axis Bank revised the minimum order value to ₹499 from 1 July 2025; the issuer terms also note exclusions for UPI-linked NEO RuPay payments for this offer. |
| Blinkit & BookMyShow | 10% discount benefits are offered under the current NEO proposition; merchant-specific caps, minimum transaction values and usage limits should be checked in the live offer terms. |
| Rewards | Earn 1 EDGE REWARD Point for every ₹200 of eligible spend. Axis Bank excludes categories such as utility & telecom, education, rent, wallet, government, insurance, fuel, cash advances and repayments from reward earning under the revised terms. |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹250; lifetime-free pricing is available through select channels. |
| Annual fee | First year nil; ₹250 from the second year onward, unless issued under an eligible lifetime-free channel/offer. |
| Finance charges | 3.75% per month (55.55% per annum). |
| Cash withdrawal | 2.5% of the cash amount, minimum ₹500. |
| Cash payment fee | ₹175. |
| Add-on card fee | Nil joining fee and nil annual fee. |
| Card replacement | Nil. |
Fees attract 18% GST. Check the issuer’s current MITC for finance charges, late fees and forex markup.
Eligibility & documents
Axis Bank states that the primary cardholder should generally be 18–70 years old and a resident of India for NEO. Approval remains subject to the bank’s underwriting and card-specific checks.
Documents
- PAN Card photocopy or Form 60 where applicable
- Income proof such as latest payslip, Form 16 or income-tax return when requested
- Residence/address proof such as driving licence, electricity bill or landline bill, subject to the bank’s current KYC process
How to apply
- Step 1Open the issuer’s official product/application page and confirm the exact card variant.
- Step 2Review current fees, rewards, exclusions and benefit conditions.
- Step 3Complete the issuer application and KYC flow.
- Step 4Provide income/address documents if requested.
- Step 5After approval, review the credit limit, billing cycle and final terms.
Before you apply
- Confirm the exact fee and current offer for your application channel.
- Check caps, minimum spends and excluded transactions.
- Estimate value using normal spending, not extra spending to chase rewards.
- Check lounge, milestone and redemption rules where relevant.
- Pay the total amount due on time to avoid finance charges.
- Applying for several cards at once — each check can lower your score.
- Paying only the minimum due — interest is charged on the full balance.
- Cash withdrawals — fees and interest start from day one.
Frequently asked questions
Is Axis Bank NEO a lifetime-free card?
Axis Bank lists ₹250 joining/annual pricing, while lifetime-free issuance is available through select channels. The pricing applicable to your application should be confirmed before submitting it.
What is the current Zomato benefit?
Axis Bank’s revised terms effective 1 July 2025 state flat ₹120 off on eligible Zomato orders with a ₹499 minimum order value, up to twice per month, subject to the offer conditions.
How many EDGE points does NEO earn?
The current NEO proposition earns 1 EDGE REWARD Point per ₹200 of eligible spend, with excluded spend categories under the issuer terms.
Does NEO give an activation benefit?
Yes. Axis Bank publishes up to ₹300 cashback on the first eligible utility-bill payment within 30 days of issuance, subject to the activation-benefit terms.
Does NEO include airport lounge access?
A core complimentary airport-lounge entitlement is not a headline NEO benefit on the current official product information. Do not assume lounge access unless your issuer offer explicitly includes it.
Can NEO benefits change?
Yes. Axis Bank has revised NEO spend exclusions and partner-offer conditions before, so current issuer notices should be checked before applying and during card ownership.
Sources: Axis Bank official NEO product page, NEO revised terms and Axis Bank credit-card eligibility information. · Last reviewed 21 September 2026. Always confirm current terms with Axis Bank before applying.