Key Highlights of NEO Credit Card

Following are the key highlights of Axis Neo credit card:

Joining FeeRs. 250+ GST
Annual FeeIst Year: NiL
2nd Year Onwards: Rs. 250+ GST
Benefits 100% cashback upto Rs. 300 on first utility bill payment & valid for first 30 days of issuance
Welcome BenefitAmazon & Grofers gift vouchers worth Rs. 250 each, 3 months subscription of Zomato Pro, and 6 months subscription of 1mg 
Rewards1 EDGE reward point on spending every Rs. 200
Age18 to 70 years
Foreign Currency Transaction Fee3.50% of the transaction value

Axis bank credit card

Features & Benefits of Axis Bank Neo Credit Card

The key features and benefits of Neo Card Axis Bank are as follows:

Activation Benefit

  • 100% cashback upto Rs. 300 on first utility bill payment & valid for first 30 days of issuance

Discounts & Cashback

  • 40% off (maximum Rs. 120 per order) on food delivery from Zomato by using AXISNEO coupon code. Minimum order value should be Rs. 200. Offer available for up to two times a month. 
  • 5% cashback (maximum Rs. 150 per month) on mobile recharges, electricity bill payment, and DTH recharge done via Paytm app. Offer available for once a month.
  • 10% off on Blinkit Up to Rs. 250 off on min spends of Rs. 750, valid once a month
  • 10% off on every shopping done on Myntra. Minimum purchase value should be Rs. 500.
  • 10% (maximum Rs. 100 per month) off on every movie ticket purchase through BookMyShow.
  • Axis Bank Neo credit card offers 15% off at all partner restaurants.

Card Safety

  • One of the key Axis Bank Neo credit card benefits is that it is protected by chip and PIN with EMV.
  • Report misplacement or theft of your card by calling at Axis Bank customer care at 18605005555 or 18604195555 to get protection against fraudulent use of your card. 

Convert Purchases into EMIs

  • Contact Axis Bank customer care to convert your every big purchase worth Rs. 2500 or more on credit card into into EMIs.


  • Earn 1 EDGE Axis Bank Neo credit card reward points on every spending of Rs. 200 and use them to redeem 500+ rewards and offers.


  • Joining fee: Rs. 250+ GST
  • Annual fee: Ist Year: NIL 
                         2nd Year onwards: Rs. 250+ GST

Axis Bank Neo Credit Card Fee/Charges

Axis Neo card involves the following fees and charges:

  • Joining fee: Rs. 250+ GST
  • Annual fee: Ist Year: NIL 
                        2nd Year onwards: Rs. 250+ GST
  • Joining and annual fees for Add-on card: Nil
  • Hotlisting charges: Nil
  • Duplicate statement fee/ Charge slip retrieval fee/ Copy request fee/ Outstation cheque fee/ Balance enquiry charges: Waived.
  • Cash payment fee: Rs. 100
  • Card replacement fee: Rs. 100
  • Finance charges for retail purchases & cash: 3.4% per month (49.36% p.a.)
  • Cash withdrawal fees: 2.5% (minimum Rs. 500) of the amount withdrawn
  • Overdue penalty/ Late payment fee: Up to Rs. 50,000 depending on the due payment amount.
  • Overlimit penalty: 2.5% of over the limit amount (minimum Rs. 500)
  • Cheque return/dishonour fee or auto-debit reversal: 2% of the amount (minimum Rs.450).
  • Foreign currency transaction fee: 3.50% of the transaction value.
  • Surcharge on purchase/cancellation of railway tickets: As mentioned by IRCTC/Indian Railways.
  • GST: As per existing Government norms.

Axis Bank Neo Credit Card Eligibility

Following are the Axis Bank Neo credit card eligibility in detail:

  • Primary cardholder of Axis Bank Neo card must be an Indian resident or a Non-Resident Indian (NRI). 
  • The Primary cardholder must be aged between 18 and 70 years. 
  • The Add-on cardholder should be above 15 years of age.

Axis Bank Neo Credit Card Document Required

If you are looking for Axis Bank Neo credit card apply online with the following documents:

  • A copy of PAN card or Form 60
  • Recent coloured photograph
  • Income proof: Recent Payslip/ Form 16/ ITR copy
  • Residence proof: Passport/ Ration Card/ Electricity Bill/ Landline Telephone Bill
  • Identity proof: Passport/ Driving License/ PAN Card/ Aadhaar Card

How to Apply for a Neo Credit Card?

You can apply for an Axis Bank Neo credit card through MyMoneyMantra.

  • Click on the "Apply Now" button.
  • You will be redirected to the Axis Bank website.
  • Choose "Yes" or "No" for existing or new Axis Bank customers.
  • Fill in the required details and submit.

View and improve your credit score - for free.

Know how good your score is

Get insights on how to improve it

Unlock offers as per your score


The best offers from India’s most
trusted banks


Axis Bank Credit Cards Rewards

Get exclusive rewards, offers, & cashback benefits. Compare & choose a best suited credit card as per your need and apply online!

Axis Bank Neo Credit Card FAQs

How can I increase the limit of Neo Credit cards?


To increase your Neo credit cards limit, you can place a request only if your card is eligible for limit enhancement, otherwise you will receive a prompt mentioning that your card is currently not eligible for limit enhancement.

Is Axis Neo credit card free for lifetime?


No. The Axis Bank Neo credit card involves a joining and annual fee of Rs. 250 plus applicable GST.

How to check the status of Axis Neo Credit Card?


You can check the status of Axis Neo Credit Card by calling the customer care number of the bank and quoting your application/reference number or by logging in to your netbanking portal where you will see the option to view the status of your application.

Can we withdraw money from Axis Neo credit card?


Yes, however a fee of 2.5% (minimum Rs. 500) of the amount withdrawn is involved for the same.

Which is the best credit card of Axis Bank?


Neo, MY ZONE, and Select credit cards are some of the best credit cards of Axis Bank

Does Axis Neo Credit Card have lounge access?


No there is no Axis Neo credit card lounge access benefit available at present.