Axis Bank Neo Credit Card


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.

Check Your Eligibility

Get Your Loan Eligibility Now!

Free Credit Score

Get Your Free Credit Score Here!

Table of Contents:

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.

Are you looking for a personal loan?

Application Process & Documents Required

You can apply for the Axis Bank Neo Credit Card in both online and offline:

Application Process through Online:

  1. Visit the official page of Axis Bank Neo Credit Card.
  2. Click on the ‘Apply Now’ button.
    3. applynow-button
  3. Enter your mobile number or customer ID, date of birth, PAN, and captcha to check your eligibility.
    4. customerid-dob
  4. Click on the ‘Next’ button.
  5. Fill out the information as per instructions.
  6. 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.

newcustomer-axis

Application Process through Offline:

To apply for the Axis Bank Neo Credit Card offline, follow the steps below:

  1. Visit your nearest branch of Axis Bank.
  2. Request the credit card application form.
  3. Fill out the information.
  4. 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.

Check the best offers & apply for a credit card!

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

Not sure of your credit score? Check it out for free now!

Check Your Credit Score for Free

Also get a Free Credit Report

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

Do you need an instant loan?

Frequently Asked Questions

The Axis Bank Neo Credit Card is an entry-level card designed for online shoppers, offering discounts and reward points on transactions, which can be redeemed for various rewards.

Visit the Axis Bank Application Tracker and enter your application reference number along with your registered mobile number. You can also contact the Axis Bank customer care.

To activate your Axis Bank Neo Credit Card, set your PIN using the Axis Mobile app, Internet Banking, ATM, or Phone Banking.

To close your Axis Bank Neo Credit Card, first clear any dues and redeem your reward points. Then, contact Axis Bank customer support to submit a formal closure request and obtain written confirmation of your card's cancellation.

The bill generation date for your Axis Bank Neo Credit Card depends on the billing cycle assigned to your card, which typically spans 30 days.

You can check your Axis Bank Neo credit card reward points via NetBanking, Mobile App, or customer care.

You can request an increase on the Axis Bank Neo Credit Card limit via the Axis Mobile App and Axis Internet Banking.

Display of trademarks, trade names, logos, and other subject matters of Intellectual Property displayed on this website belongs to their respective intellectual property owners & is not owned by Bvalue Services Pvt. Ltd. Display of such Intellectual Property and related product information does not imply Bvalue Services Pvt. Ltd company’s partnership with the owner of the Intellectual Property or proprietor of such products.

Please read the Terms & Conditions carefully as deemed & proceed at your own discretion.

playstore Rated 4.5 on Google Play mobile 10M+ App Installs applicant 25M+ Applicants till date & growing man 150K+ Daily Active Users