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Axis Neo
75/100 · ₹250/yr
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EXPIRES
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Axis Bank
Axis Neo
VISA
Rewards VISA

Axis Neo

by Axis Bank · Data verified 2 days ago

Lifetime free Axis entry card with 1 EDGE/₹200, ₹120 off Zomato, 5% off Paytm bills, 10% off Blinkit/BookMyShow/Myntra, Wednesday Delights. ₹300 activation cashback.

75
Score
Based on rewards, fees, benefits & eligibility
₹250
Fee
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
No Lounges
complimentary
₹250/yr
card fee
75/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹250
Net Annual Value

You save per year!

What's Great

  • Lifetime free under regular bank promotional campaigns
  • 10% off on BookMyShow movie tickets (up to ₹100/month)
  • Flat ₹120 off on Zomato twice a month and 10% off on Blinkit
  • 15% off on dining bills via EazyDiner (up to ₹500/month)
  • 100% cashback up to ₹300 on first utility bill payment

Things to Consider

  • No fuel surcharge waiver available on this card
  • No complimentary airport lounge access
  • Low base reward rate (1 EDGE point per ₹200)
  • Discounts subject to monthly caps and minimum transaction thresholds

Perfect For

Digital natives First-time users Young professionals

About This Card

Digital-first card for online natives with instant issuance
Annual Fee
₹250
Joining Fee
₹250
Waiver
Waived under ongoing promotional Lifetime Free offer

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.60% - 3.75%
Foreign Transaction Fee
Markup on international txns
3.50%
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹500) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹500
Nil
₹500.01-₹5,000
₹500
₹5,000.01-₹10,000
₹700
₹10,000.01-₹25,000
₹900
₹25,000.01-₹50,000
₹1,100
>₹50,000
₹1,300
Reward Points Validity
How long your earned points remain valid
3 years from date of earning
Card Replacement Fee
Fee for lost or damaged card replacement
₹100
1
Reward Pts
₹0.20
Point Value
0.00%
Cashback
Welcome Bonus
100% cashback up to Rs. 300 on first utility bill within 30 days of issuance

Milestone Rewards

Welcome gift: 100% cashback up to ₹300 on first utility bill payment within 30 days of card issuance
Amazon Pay gift voucher worth ₹250 on first spend within 30 days

Reward Earning by Category

Category Reward Rate Details
Shopping 0.5 pts/₹100 1 EDGE per ₹200 (0.5 per ₹100)
Dining 0.5 pts/₹100 1 EDGE per ₹200 (0.5 per ₹100)
Fuel — No RP on fuel/utilities/wallet
Point Value: 1 point = ₹0.20 | Redemption Fee: ₹99 + GST per request

Lost Card Cover

₹0

Movies

  • •10% off on BookMyShow movie tickets, savings capped at ₹100 per calendar month

Dining

  • •15% off up to ₹500 on minimum spend of ₹1,500 via EazyDiner once per month
  • •Flat ₹120 off on Zomato food delivery orders of ₹500+ with code AXISNEO (twice a month)

Shopping

  • •10% off up to ₹250 on Blinkit orders of ₹750+ once per month
  • •₹150 off on Myntra on minimum purchase of ₹999
  • •Earn 1 EDGE REWARD Point per ₹200 spent on general retail spends

Travel

  • •International usage enabled on Visa/Mastercard networks

Special Offers & Features

  • •Available as instant virtual credit card on Axis Mobile app
  • •Partner discount codes on Zomato, Blinkit, Myntra, and BookMyShow

Card Features

Contactless
✓ Yes
Virtual Card
✓ Yes
International
✓ Yes
Material
Plastic

Mobile Wallet Support

Google Pay Apple Pay Samsung Pay
75 out of 100

CardSahayak Score

"Apply Now" takes you to Axis Bank's official website.

Eligibility

Salaried ₹15,000/mo
Self-Employed ₹20,000/mo
Age 18-70 yrs
CIBIL 650+
Employment Salaried, Self-Employed
Card Variant Classic

Scores

Rewards 24/100
Fees 75/100
Benefits 24/100
Access 100/100

⚡ Quick Compare

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8 Active Offers

Deals & Offers

Exclusive offers available on Axis Neo

Flipkart

Flipkart

Unlock major savings on your online shopping with Flipkart and Axis Bank. Enjoy a flat 10% instant discount up to ₹1,500 on minimum spends of ₹4,999 across electronics, fashion, beauty, and home essentials.Save on leading smartphone brands, headphones, smartwatches, and wardrobe updates with instant price drops at checkout.

10
Till 31 Dec 2026 shopping
Discount
Flat 10% up to ₹1,500
Min Spend
₹4,999
Max Savings
₹1,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Open the Flipkart app or visit flipkart.com.
Step 2: Add eligible smartphones, electronics, appliances, or apparel worth ₹4,999+ to your shopping cart.
Step 3: Proceed to the payment page and choose Axis Bank Credit Card.
Step 4: The 10% instant discount up to ₹1,500 is calculated and deducted automatically before OTP verification.
Terms & Conditions

Valid on eligible purchases across Flipkart marketplace. Minimum transaction value of ₹4,999 is required. Maximum instant discount is capped at ₹1,500 per card during promotional sales windows. Applicable on both Full Swipe and EMI transactions on retail Axis Bank Credit Cards. Excludes Flipkart Axis Bank Credit Card on categories where card gives 5% base cashback.

Visit Offer
Swiggy

Swiggy

Dine in style with exclusive Axis Bank food perks. Get flat ₹125 off on every Swiggy food delivery order above ₹499 with your Axis Bank Credit Card.Use coupon code AXIS125 on checkout to enjoy double savings on weekday lunches and weekend family feasts.

125
Till 31 Dec 2026 AXIS125 dining
Discount
Flat ₹125 off
Min Spend
₹499
Max Savings
₹125
Valid Until
31 Dec 2026
How to Avail
Step 1: Launch the Swiggy mobile app and select your city delivery location.
Step 2: Add dishes totaling ₹499 or more from partner restaurants to your bag.
Step 3: In the promo code box, enter coupon AXIS125.
Step 4: Pay using your Axis Bank Credit Card to get an instant ₹125 price cut.
Terms & Conditions

Valid twice per customer per calendar month. Minimum food order amount of ₹499 excluding delivery charges and GST. Valid only on food delivery orders placed via Swiggy mobile application. Not applicable on Instamart or Dineout payments.

Use Code: AXIS125
Visit Offer
EaseMyTrip

EaseMyTrip

Fly anywhere across India with premium flight savings on EaseMyTrip. Axis Bank credit cardholders unlock a flat 12% instant discount up to ₹2,000 on bookings of ₹5,000 and above.Book IndiGo, Air India, Akasa Air, and SpiceJet flights with code EMTAXIS for guaranteed upfront airfare savings.

12
Till 31 Dec 2026 EMTAXIS travel
Discount
Flat 12% up to ₹2,000
Min Spend
₹5,000
Max Savings
₹2,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Visit EaseMyTrip app or easemytrip.com and select your domestic travel itinerary.
Step 2: Choose your flight tickets with total booking amount of ₹5,000+.
Step 3: Enter promo code EMTAXIS at the payment summary stage.
Step 4: Pay with your Axis Bank Credit Card to reduce your fare by up to ₹2,000 instantly.
Terms & Conditions

Valid on domestic flight ticket bookings across all Indian airports. Minimum booking value of ₹5,000 is required. Maximum discount is ₹2,000 per booking. Limit of one redemption per cardholder per calendar month. Excludes corporate and prepaid cards.

Use Code: EMTAXIS
Visit Offer
EazyDiner

EazyDiner

Indulge in 5-star buffets and fine dining across top Indian metros. EazyDiner and Axis Bank offer an extra 15% instant discount up to ₹500 on restaurant bills settled via PayEazy.Stack this discount with existing 20-50% restaurant offers to enjoy premium culinary experiences at unbeatable rates.

15
Till 31 Dec 2026 dining
Discount
Extra 15% up to ₹500
Min Spend
₹1,500
Max Savings
₹500
Valid Until
31 Dec 2026
How to Avail
Step 1: Open EazyDiner app and book a table at any partner restaurant.
Step 2: Enjoy your meal at the venue.
Step 3: Inform the staff you are settling the bill via PayEazy on the EazyDiner app.
Step 4: Select Axis Bank Credit Card to apply an automatic 15% extra discount up to ₹500 on the final bill.
Terms & Conditions

Valid on PayEazy transactions at participating restaurants on EazyDiner. Minimum bill amount of ₹1,500 is required. Maximum instant discount is ₹500. Valid once per customer per calendar week. Stackable on top of restaurant table discounts.

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Myntra

Myntra

Revamp your wardrobe with top international and domestic fashion labels. Get flat 10% instant discount up to ₹750 on Myntra orders of ₹2,999 and above with Axis Bank Credit Cards.Use code AXISMYNTRA on checkout to enjoy instant fashion savings.

10
Till 31 Dec 2026 AXISMYNTRA shopping
Discount
Flat 10% up to ₹750
Min Spend
₹2,999
Max Savings
₹750
Valid Until
31 Dec 2026
How to Avail
Step 1: Open the Myntra app or website.
Step 2: Select eligible clothing, footwear, accessories, or cosmetics worth ₹2,999+.
Step 3: On the checkout screen, enter coupon AXISMYNTRA.
Step 4: Pay using your Axis Bank Credit Card to get an instant 10% discount up to ₹750.
Terms & Conditions

Applicable on select catalogue products on Myntra platforms. Minimum cart value of ₹2,999 is required. Maximum discount capped at ₹750 per order. Valid once per user per calendar month.

Use Code: AXISMYNTRA
Visit Offer
BookMyShow

BookMyShow

Unlock Buy 1 Get 1 Free movie tickets and entertainment passes on BookMyShow using your eligible Axis Bank Credit Card.

BOGO
Till 31 Dec 2026 entertainment
Discount
BOGO (Up to ₹500)
Min Spend
2 tickets
Max Savings
₹500
Valid Until
31 Dec 2026
How to Avail
Step 1: Choose at least 2 movie or concert tickets on BookMyShow.
Step 2: On payment page, click 'Unlock Offer or Apply Promocodes' and choose Axis Bank.
Step 3: Enter your Axis Bank Credit Card details to receive complimentary 2nd ticket.
Terms & Conditions

Buy 1 Get 1 Free capped at ₹300-₹500 per ticket depending on card tier (Select, Olympus, Reserve, Burgundy Private). 10% off up to ₹100 on Neo.

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Zomato Dining

Zomato Dining

Axis Bank Dining Delights: Savor extraordinary culinary savings with flat 15% off up to ₹500 at premier partner restaurants via Zomato Dining.

15%
Till 31 Dec 2026 dining
Discount
Flat 15% up to ₹500
Min Spend
₹2,000
Max Savings
₹500
Valid Until
31 Dec 2026
How to Avail
Step 1: Dine at participating restaurants and pay bill using Zomato Dining.
Step 2: Select Axis Bank Credit Card at checkout to unlock flat 15% instant savings up to ₹500.
Terms & Conditions

Valid on minimum bill value of ₹2,000. Maximum discount ₹500 per transaction. Axis Dining Delights program applies across 10,000+ restaurants.

Visit Offer
Croma

Croma

Get up to ₹3,500 instant discount on electronics, home appliances, and smart gadgets at Croma with your Axis Bank Credit Card.

₹3,500
Till 31 Dec 2026 shopping
Discount
Up to ₹3,500 Off
Min Spend
₹20,000
Max Savings
₹3,500
Valid Until
31 Dec 2026
How to Avail
Step 1: Purchase appliances or tech products at Croma stores or croma.com.
Step 2: Minimum cart threshold ₹20,000.
Step 3: Pay with your Axis Bank Credit Card or Card EMI to receive instant discount.
Terms & Conditions

Valid on minimum purchase of ₹20,000. Maximum discount ₹3,500. Valid on eligible credit cards.

Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about Axis Neo

To be eligible, you need:
  • • Min age: 18 years
  • • Salaried: ₹15,000/month min
  • • Self-employed: ₹20,000/month min
  • • CIBIL: 650+ recommended
The annual fee is ₹250.
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.20. Welcome bonus: 100% cashback up to Rs. 300 on first utility bill within 30 days of issuance on activation! Redeem for flights, hotels, vouchers via Axis Bank rewards portal.
No complimentary lounge access. Consider a premium card for this benefit.
  • • Instant: Pre-approved Axis Bank customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for Axis Neo today and unlock amazing rewards and premium experiences.

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