The Axis Bank Neo Credit Card is a digital-first credit card designed primarily for online shoppers and young professionals. It offers a range of lifestyle benefits, including discounts on food delivery, fashion, movie tickets, and utility bill payments.
The card includes welcome vouchers, reward points on eligible spends, and access to Axis Bank’s EDGE REWARDS program. With minimal joining and annual fees—often waived under certain conditions—it’s a cost-effective option for those who frequently shop or pay bills online.
Below you will find the eligibility criteria, application process, fees, and benefits of the Axis Bank Neo Credit Card.
The Axis Bank Neo Credit Card comes with key benefits like discounts on Zomato, Myntra, and Blinkit, cashback on utility bill payments via Paytm, welcome vouchers, and EDGE REWARDS points on spends.
Eligibility Criteria for Axis Bank Neo Credit Card
The eligibility criteria for the Axis Bank Neo Credit Card include:
- The individual must be an Indian citizen or an NRI.
- The individual must be of the age between 18-70 years old.
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Application Process & Documents Required
You can apply for the Axis Bank Neo Credit Card in both online and offline:
Application Process through Online:
-
- Visit the official page of Axis Bank Neo Credit Card.
- Click on the ‘Apply Now’ button.
- Enter your mobile number or customer ID, date of birth, PAN, and captcha to check your eligibility.
- Click on the ‘Next’ button.
- Fill out the information as per instructions.
- Complete the application form.
Note that these steps are for existing customers of Axis Bank.
If you are a new customer of Axis Bank and want to apply for the Axis Bank Neo Credit Card, you can select from the options below and proceed with the application.
Application Process through Offline:
To apply for the Axis Bank Neo Credit Card offline, follow the steps below:
- Visit your nearest branch of Axis Bank.
- Request the credit card application form.
- Fill out the information.
- Submit the necessary documents.
Here are the documents required to apply for the Axis Bank Neo Credit Card:
- PAN Card photocopy or Form 60.
- Income Proof such as the latest payslip, Form 16, or ITR.
- Proof of Residence, such as a driving license, electricity bill, or telephone bill.
Charges & Fees of Axis Bank Neo Credit Card
The Axis Bank Neo Credit Card charges are as follows:
| Joining Fee (₹) | ₹250 |
| Annual Fee (₹) | ₹250 (from 2nd year onwards) |
| Card Replacement Fee (₹) | Nil |
| Cash Withdrawal Fees (₹) | 2.5% (minimum ₹500) of the cash amount |
Charges are subject to change.
Note that the Axis Bank Neo Credit Card is also referred to as the Axis Bank Lifetime Free Neo Credit Card, as the joining fee and annual fee are waived off when you apply via select channels.
The Axis Bank Neo Credit Card limit is offered based on the customer’s spending history and other financial information. The credit limit can be increased as well; that is, eligible cardholders will receive a Pre-Approved Credit Limit Increase Offer via SMS, email or ATM.
Also Read: Axis bank my zero credit card
Benefits & Features of Axis Bank Neo Credit Card
Here are the Axis Bank Neo Credit Card benefits and features:
| 40% Off on Zomato | 15% discount at partner restaurants via Axis Bank Dining Delights |
| 100% cashback up to ₹300 on the first utility bill payment within the first 30 days of card issuance | 5% off on utility bill payments via Paytm |
| 10% off on Blinkit, ₹150 off on Myntra, & 10% off on BookMyShow tickets | Zero lost card liability |
| Protected with an EMV-certified chip & PIN system | EDGE REWARDS Points for transactions |
| Exclusive offers every Wednesday | 1 Reward Point for every ₹200 spent |
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