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Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.
*Offers are from Paisabazaar's partner Banks & NBFCs.
Axis Bank Neo Credit Card is best suited for online shoppers as it offers benefits across popular online shopping websites such as Amazon and Myntra. At an annual fee of Rs. 250, the card manages to provide up to 10% discount or cashback across multiple partner websites. Read on to know more about Axis Bank Neo Credit Card benefits, fees and comparison with other cards.
Key Highlights of Axis Bank Neo Credit Card |
Card Rating: ★★★ (3/5) Read Full Review |
*Terms and Conditions Apply
Axis Bank Neo Credit Card offers the following benefits to its users:
Welcome Benefits – You will get the following gift vouchers as a welcome benefit:
Myntra Offer – Get a Myntra Voucher worth Rs. 500 and enjoy up to Rs. 200 discount on a minimum spending of Rs. 2,200. T&C Apply.
Dining Privileges – Enjoy minimum 15% discount on dining at partner restaurants. Click here to see the updated list of partner restaurants in your city.
Discount on Partner Websites – Enjoy the ‘Power of 10’ with the following offers:
Reward Earnings – Earn 2 Axis Edge Reward Points for every Rs. 200 spent across all categories.
Lost Card Liability Cover– Enjoy lost credit card liability and stay protected against any unauthorized transaction on your card after the loss has been reported.
Must Read: How to deal with fraudulent transactions on your credit card?
The fees and charges associated with Axis Bank Neo Credit Card are:
| Type of Fee or Charge | Amount |
| Joining / Annual Fee | Rs. 250 |
| Cash Advance Fees | 2.5%, Min. Rs. 500 |
| Late Payment Charges | For Statement Balance Less Than Rs. 100 – Nil Rs. 101 to Rs. 300 – Rs. 100 Rs. 301 to Rs. 1,000 – Rs. 300 Rs. 1,001 to Rs. 5,000 – Rs. 500 Rs. 5,001 to Rs. 10,000 – Rs. 600 Rs. 10,001 and above – Rs. 700 |
| Additional Card Fee | Nil |
| Charges on Revolving Credit | 3.4% per month or 49.36% p.a. |
| Over limit Account Charge | 3%, Min. Rs. 500 |
| Cash Payment Fee | Rs. 100 |
| Railway Ticket Purchase/Cancellation Fee | As defined by IRCTC |
| Reissue of Credit Card | Nil |
| Foreign Currency Transaction | 3.5% |
| Outstation Cheque Fee | Nil |
| Balance Enquiry Charges | Nil |
Note: Banks reserve the right to change the fees & charges without prior communication.
Every Indian National or NRI falling in the age bracket of 18 to 70 years can apply for Axis Bank Neo Credit Card. However, several other factors come into play when deciding your eligibility for a particular credit card such as city of residence, occupation, income, credit history, current debts, etc. The bank would also judge your profile on their internal criteria, which you would get to know only after sending your application.
The following documents should be submitted along with your application.
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement |
| Proof of Income | Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement |
Axis Bank Neo Credit Card is not available on Paisabazaar’s Platform. If you wish to apply for this card, you can provide your details on Axis Bank’s credit card application page. Soon after you submit the form, a bank representative will call you to take the application process further.
You can also apply for Axis Neo Credit Card by visiting the nearest Axis Bank branch.
| Credit Card | Annual Fee | Comparative Feature* |
| Amazon Pay ICICI Credit Card | Nil | Up to 5% cashback on Amazon Purchases |
| SBI FBB StyleUP Credit Card | Rs. 499 | Flat 10% discount at FBB and Big Bazaar Stores |
| Standard Chartered DigiSmart Credit Card | Rs. 49 per month | Discount across multiple brands including Myntra, Grofers, INOX, Ola and more |
| American Express SmartEarn Credit Card | Rs. 495 + GST | 10X MR Points on Flipkart and Uber; 5X MR Points on Amazon, Swiggy and more |
| Kotak PVR Gold Credit Card | Rs. 499 | Get up to 2 free PVR Movie Tickets in a month |
*Terms and Conditions Apply
How can I increase the credit limit on my Axis Bank Neo credit card?
Based on spending patterns and risk behaviour of the user, Axis Bank can decide whether or not the credit limit, the maximum limit up to which the credit card can be used to make purchases, will be increased or not. You can call on the customer care cell 18004190072 to get information on your Axis Bank Neo Credit Card limit. You can also use the net banking facility or Axis Bank mobile app.
How do I redeem my Axis eDGE Rewards?
Axis eDGE Reward points can be redeemed through their rewards catalogue. You can visit this catalogue and make the necessary selection and then redeem you points earned on your Axis Bank Neo Credit Card.
How soon can I receive my Axis Bank Neo Credit Card?
Axis Bank takes a minimum of 21 days to approve or reject your credit card application.
Can I link my credit card to my bank account so that I can pay the bills automatically and on time?
Yes, you can set standing instructions on your bank account to pay your Axis Bank credit cards bills on time and in full or the minimum amount.
Which card is better- Axis Bank Neo Credit Card or Axis Bank My Zone Credit Card?
Axis Bank My Zone Credit Card charges a higher annual fee (Rs. 500) than Axis Bank Neo Credit Card (Rs. 250). It also offers some extra benefits in the form of lounge access, movies cashback and rewards. Both the cards have their own benefits and you should choose based on how you plan to use the card. For example, if you think you can spend a lot on the card, the My Zone card would be better as it carries a better rewards program.
