Axis Neo is one of the few credit cards that offers direct discounts on multiple brands. If you maximize your savings, you can save up to Rs. 890 in a month through these discount offers. Since this card comes with a nominal reward rate, brand discounts can be considered its main selling feature. If you frequently pay bills, order food, or shop for clothes, groceries, and other lifestyle products online, this card can help you enhance your savings on your expenses. The instant discount feature eliminates the need for a rewards redemption process, thus allowing you to save in a hassle-free manner. Other credit cards, such as Axis Select and Axis My Zone, also come with discounts on major brands but at a higher annual fee and on fewer brands.
Axis Bank
Axis Neo Credit Card
Reward Points
Online Shopping
1st Year Fee: ₹250* Plus Applicable Taxes
Online Shopping
Discount offers on top shopping platforms
Food & Dining
Upto 40% off on Zomato, 15% off on dining
Movies
Up to Rs. 100 off on BookMyShow per month
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About Axis Bank Neo Credit Card
Axis Bank Neo Credit Card provides the users with discounts on online purchases from some of the top brands and platforms, including Zomato, BookMyShow, Myntra, Blinkit and Paytm. Apart from these brands, you can also avail dining discount of up to 15% via EazyDiner under the Axis bank Dining Delights program and reward points on your every spend.
Axis Neo seems like a good option for those who are looking for a card that comes at a nominal annual fee and offers instant discounts on popular platforms. Cardholders can save up to 40% on their online purchases made on food delivery orders, utility bill payments, dining, apparel, and other daily use products via these discounts available on the partner platforms. Though it also provides reward points on every card spend, the reward earning rate is minimal, thus putting the discount benefits at the forefront when it comes to considering the overall value-back that this Axis bank credit card offers. Read on to know more about the offers, deals and other features available on Axis Neo credit card.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit Axis Bank’s website.
Discount Offers
- 40% off on Zomato: Up to Rs. 120 per order, on min. food delivery spends of Rs. 200 via coupon code: AXISNEO, twice per month
- 5% off on utility bills via Paytm: Up to Rs. 150 per month, on mobile or DTH recharges/ broadband payments on min. utility bill payments of Rs. 299 via coupon code: AXISNEO, once a month
- 10% off on Blinkit: Up to Rs. 250 on min. order value of Rs. 750, once per month
- Rs. 150 off on Myntra: On min. spends of Rs. 999 on selected styles
- 10% off on BookMyShow: Up to Rs. 100 per month on movie tickets
Other Features & Benefits
In addition to the discount offers on various brands and platforms, you can also avail the following Axis bank credit card benefits:
- Rewards: 1 reward point on every Rs. 200 spent, redeemable against EDGE Rewards Catalogue1
- Welcome Benefit: 100% cashback worth up to Rs. 300 on the first utility bill payment made within 30 days of card issuance
- Dining Delights Program: 15% discount of up to Rs. 500 on dining bills of minimum Rs. 2,500 at partner restaurants in India via EazyDiner, once per month
| Particulars | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Rs. 250 + Applicable Taxes (Nil, if applied via Paisabazaar) | ||||||||||
| Finance Charges | 3.75% per month (55.55% per annum) | ||||||||||
| Late Payment Charges |
|
How Much Can You Save via Axis Neo Credit Card?
To get a better estimate of how much you can save on your monthly spends using this card via discounts and rewards, let’s take an example of your possible monthly spends:
| Spending Category | Monthly Spends | Discount | Reward Earnings |
|---|---|---|---|
| Recharges via Paytm | Rs. 3,500 | Rs. 150 | 16 |
| Food Delivery via Zomato | Rs. 800 | Rs. 240 | 2 |
| Myntra | Rs. 1,500 | Rs. 150 | 6 |
| Blinkit | Rs. 4,000 | Rs. 250 | 18 |
| Dining via EazyDiner | Rs. 3,500 | Rs. 500 | 15 |
| Movies via BookMyShow | Rs. 700 | Rs. 70 | 3 |
| Total | Rs. 14,000 | Rs. 1,360 | 60 Reward Points |
Here, if you make online purchases worth Rs. 14,000 in a month on the above-mentioned platforms and spending categories, you can save Rs. 1,360 by availing the respective discounts and just spend Rs. 12,640 instead. This sums up to be around 10% savings on your monthly spends. Moreover, you will also accrue 60 EDGE Reward Points simultaneously on these spends.
Things to Know Before you apply
Get This Card If:
You often shop online, instead of making offline purchases
You do not want to put in much effort in rewards redemption process and prefer to get value-back in the form of direct discount
You are looking for a card with a minimal annual fee
You want co-branded discount benefits
Eligibility Criteria
Age: 18 to 70 years
Nationality: Resident of India or Non-resident Indian
Documents Required: PAN card photocopy or Form 60, Income Proof, Residence Proof
Paisabazaar Review
What do we like about this card?
This card is a great option for those who shop online frequently as it offers decent discount deals on several popular online platforms and that too at a low annual fee. Moreover, apart from online shopping of apparel, daily-use items and lifestyle-related products, you can also save on bill payments - a category often overlooked by many other credit cards. Food and dining spending categories too come with considerable savings in the form of discounts of up to 40%.
Pros
- Up to 40% off on online spends made on partner platforms
- Hassle-free value-back program of direct discount on multiple platforms, like Zomato, Blinkit, BookMyShow, Myntra, etc.
- Savings worth up to Rs. 500 every month on dining bills
- Low card annual fee
Cons
- Low reward points earning rate on card spends
- Capping on discount benefits offered on online spends
Frequently Asked Questions
Everything you need to know about this credit card
At a low fee of just Rs. 250, the Axis Bank Neo credit card is a good choice for beginners who spend frequently on popular brands like Zomato, BookMyShow, Myntra, Blinkit, and Paytm.
The Axis Bank Neo Credit Card comes at a low annual fee of Rs. 250. The fee is nil if you apply for the card via Paisabazaar.
The card offers a flat discount on Myntra of Rs. 150 off on minimum spends of Rs. 999 (on selected styles). Thus, for Myntra loyalists, this card can be a good choice. But, for other online spends, users earn 1 reward point for every Rs. 200 spent.
Yes, for beginners who want a low annual fee card and spend across the partner brands, this credit card can be a good choice.
Both Axis Neo and MyZone are entry-level credit cards that cover benefits on multiple lifestyle categories with varying partner brands. While Neo offers benefits on Zomato, BookMyShow, Myntra, and Blinkit; MyZone offers benefits on Swiggy, Zomato, Ajio, and SonyLiv. Additionally, in comparison to Neo, MyZone comes at a comparatively high fee of Rs. 500. Considering card users have varying lifestyle needs, a better card would be the one that aligns with the brand preferences.
Axis bank credit card reward points can be redeemed through the Axis EDGE Rewards Catalogue. You can visit the catalogue and make the necessary selection to redeem your points.
The Axis Bank Neo credit card offers benefits like 40% off on Zomato, 10% off on Blinkit and BookMyShow, 5% off on utility bills via Paytm, and Rs. 150 off on Myntra.
No, there is no fuel surcharge waiver offered to Axis Neo cardholders. Fuel transactions will be charged with a 1% surcharge.
Based on the spending patterns and risk behavior of the user, Axis Bank decides whether or not to increase your credit limit. However, you can request the same by calling on the customer care number 18004190072. You can also use the net banking facility or Axis Bank mobile app for the same.
You can activate your Axis Bank Neo credit card through the Axis Bank Mobile banking app or by contacting the bank’s customer care at 1800 103 5577.
Footnotes
- A rewards redemption fee of Rs. 99 is applicable on every redemption transaction
Click here to know More Terms and Conditions
Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
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