Axis Bank Neo Credit Card
UPI RuPayVerified · August 25, 2026
4.9/5.0
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 1 EDGE Reward Point per ₹200 (1 EDGE Reward Point per ₹200 on retail transactions)
Overview
Axis Bank Neo Credit Card by Axis Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 1 EDGE Reward Point per ₹200 (1 EDGE Reward Point per ₹200 on retail transactions)
- • Accelerated Rewards: Instant shopping & dining partner discounts: 10% off Blinkit, 10% off Zomato, 10% off BookMyShow (up to ₹100/mo)
- • Excluded Categories: Fuel, Wallet loads
Welcome Benefit
Amazon gift voucher worth ₹250 upon first spend within 30 days + Myntra discount vouchers; Qualification Criteria: First card swipe within 30 days; Fulfillment Timeline: 30 days
Milestone Benefit
Spend ₹1 Lakhs (Annual): Annual renewal fee waiver of ₹250; Annual Fee Waiver: Spend ₹1,00,000 or more in preceding 12 months for fee waiver
Redemption
Axis EDGE Rewards catalog for gift vouchers and electronics
Benefits
- Fuel Surcharge Waiver: 1% (Max waiver ₹400 per month)
- Myntra & Blinkit Partner Perks: 10% discount on Myntra on minimum purchase of ₹500 and 10% off on Blinkit monthly. (Partner promo codes applied at checkout) [Partners: Myntra, Blinkit, Zomato]
Things to Know Before you apply
Axis Bank Neo Credit Card Eligibility Criteria
- Age: 18–70 years
- Salaried min ₹15,000/month; Self-employed min ITR ₹2,50,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Axis Bank Neo Credit Card Customer Care
- Toll Free: 1800 1200
- Landline: +91 22 6600 6600
- Concierge Service: customer.care@bank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹250 |
| Annual Fee | ₹250 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹1,00,000 or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
Axis Bank Neo Credit Card issued by Axis Bank is one of India's leading credit cards for Entry Level spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 1 EDGE Reward Point per ₹200 (1 EDGE Reward Point per ₹200 on retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹250
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
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Best Suited for
UPI RuPay
Cashback
Rewards
Fee Details
Joining Fee
₹250
Annual/Renewal Fee
₹250
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Amazon gift voucher worth ₹250 upon first spend within 30 days + Myntra discount vouchers
- • Qualification Criteria: First card swipe within 30 days
- • Fulfillment Timeline: 30 days
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card issuance, plus 5% cashback up to ₹1,000 on first EMI transaction
- • Qualification Criteria: Min ₹15,000 spend within 90 days of setup
- • Fulfillment Timeline: 30 days post criteria completion
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days of card setup, plus 5% cashback up to ₹1,000 on first EMI order
- • Qualification Criteria: Min ₹15,000 spend within 90 days
- • Fulfillment Timeline: 30 days post qualifying period
Reward/Cashback Rate
- • Base Rewards: 1 EDGE Reward Point per ₹200 (1 EDGE Reward Point per ₹200 on retail transactions)
- • Accelerated Rewards: Instant shopping & dining partner discounts: 10% off Blinkit, 10% off Zomato, 10% off BookMyShow (up to ₹100/mo)
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on spends exceeding ₹20,000 per month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Accelerated Rewards: 10X Reward Points on incremental spends > ₹25,000/month & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet reloads
Pros
- • Base Rewards: 1 EDGE Reward Point per ₹200 (1 EDGE Reward Point per ₹200 on retail transactions)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on your birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹25,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹25,000 per billing month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹25,000 and on your birthday)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Annual renewal fee of ₹250
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions