How do I convert the purchases made through my Instant Neo Credit Card into EMI?

The HELLO-EMI facility offered by Axis Bank allows you to easily convert every purchase of Rs.2,500 and above made through your Axis Bank Instant Neo Credit Card into EMI within 60 days of the purchase through any of the following ways - Calling the bank at 1860 500 5555 or 1860 419 5555 , using the Axis Bank Mobile app and using Axis Bank Internet Banking. .

Will I be charged any processing fee for the EMI conversion on the Instant Neo Credit Card?

You will be charged Rs.150 or 1.5% of the amount (whichever is higher) as a one-time fee for EMI conversion.

Can I use my Axis Bank Instant Neo Credit Card to withdraw cash from ATMs?

You can withdraw cash from ATMs in India or abroad using your Axis Bank Instant Neo Credit Card as per your usage selected preference while applying for the card. You will be charged a cash withdrawal fee which would reflect on your next statement.

Can I use the Axis Bank Instant Neo Credit Card while I am in another country?

Yes, you can use your Axis Bank Instant Neo Credit Card both in India as well as abroad. However, you wouldn’t be able to make foreign currency transactions in Bhutan and Nepal.

Will I be able to redeem the reward points that I earn on a transaction if I opt for the EMI option?

No, if you avail the EMI facility, the reward points for that particular transaction will be reversed.

How to pay outstanding balance on Axis Bank Instant Neo Credit Card?

There are several methods available to Axis Bank Instant Neo Credit Card users to make payments towards their card account. These are cash, cheque or draft, internet payment, click to Pay/ VMT/ NEFT, AMTs, IMPs, and auto-debit.

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Axis Bank Instant Neo Credit Card

After the launch of the Neo Credit Card, here’s yet another card from Axis Bank - the Axis Bank Instant Neo Credit Card. From a range of exciting benefits like multiple welcome gift vouchers and cashback offers to easy EMI options and reward points, the card is heavily loaded with attractive features. It can be used for any kind of domestic transaction and you get the privilege of enjoying year-long offers across various types of expenditures.

Features and Benefits of Axis Bank Instant Neo Credit Card

Welcome vouchers

As a welcome gift, you get a BookMyShow gift voucher worth Rs.300. The unique code would be shared with you via email and SMS, which can be applied on BookMyShow to avail the offer.
On your first spend with your Axis Bank Instant Neo Credit Card within 30 days of its issuance, you get an Amazon gift voucher worth Rs.250. Your gift voucher would be sent to you within 45-60 days of the usage through SMS or email.
You also get gift vouchers worth up to Rs.500 from Jabong.com on selected products. Please visit the Axis Bank Instant Neo Credit Card page on the Axis Bank website to view the product list.
1. Jabong users need to enter the coupon code AXISNEO500 on the Jabong App or Jabong.com page to avail a 10% off up to Rs.500. The minimum purchase should be Rs.2,000.
2. New Jabong users can also use the coupon code AXISNEW350 to avail a discount of Rs.350 on a minimum purchase of Rs.700.

Any sort of domestic transaction: The Axis Bank Instant Neo Credit Card can be used at every type of domestic Point of Sale (PoS) terminals or online shopping sites.

Cashback offer: Selected Axis Bank credit card users get Rs.500 cashback on their first transaction with the Axis Bank Instant Neo Credit Card. The minimum transaction amount should be Rs.500 and it should be carried out within the first 15 days of the card issuance.

This offers is only for selected customers who have received a formal communication regarding the same via SMS from Axis Bank.

eDGE Loyalty Rewards: For every Rs.200 spent on the Axis Bank Instant Neo Credit Card, you earn 8 reward points. The accumulated points can be redeemed against over 500 rewards and offers listed in Axis Bank's rewards catalogue.

Purchases to EMI conversion: Any transaction over Rs.2,500 can be converted into EMIs through options like customer service channel, mobile app, and internet banking. You can also enjoy interest rates that are lower than the usual rates. You get the liberty of converting your transactions into EMIs of 6, 9, 12, 18, or 24 months.

Enjoy 10% off whenever you:

Spend a minimum of Rs.500 to buy select products at Myntra. Use the code AXISNEOTEN at the time of checking out.
Buy a movie ticket on BookMyShow with monthly benefits of up to Rs.50.
Book bus tickets on redBus with monthly benefits of up to Rs.100.
Spend on mobile recharges through the Freecharge mobile app with maximum monthly benefits of Rs.30.

Axis Bank Instant Neo Credit Card fees and charges

Type of Charge	Fee
Joining fee	Nil
Annual fee	Nil
Credit card blocking charges	Nil
Mobile alerts fee	Nil
Balance enquiry charges	Nil
Over-limit penalty	3% of the over-limit amount or Rs.500, whichever is higher.
Late payment fee or overdue penalty	If the outstanding amount is Up to Rs.100 – NIL From Rs.101 to Rs.300 – Rs.100 From Rs.301 to Rs.1,000 – Rs.300 From Rs.1,001 to Rs.5,000 – Rs.500 From Rs.5,001 to Rs.20,000 – Rs.600 Rs.20,001 and above – Rs.700

Eligibility to apply for the Instant Neo Credit Card

You are eligible to apply for Axis Instant Neo Credit card if you fulfil each of the following conditions.

You hold an Axis Bank savings account which is valid and active.
You have an Aadhaar number.
You have your valid PAN.
You voluntarily and successfully complete the KYC formalities through biometric authentication.
You agree to hold the card only for personal use and refrain from using it for other purposes including professional, trading, business, or any profit-making activity.

How to apply for Axis Bank Instant Neo Credit Card

Go to Axis Bank Instant Neo Credit Card page using the URL www.axisbank.com/retail/cards/credit-card/instant-neo-credit-card/features-benefits
Click the 'Apply Online' button and you would be directed to the page where you would need to furnish your necessary details.
After filling in the details, click the 'Call Me button'
Once the bank receives your application, you would be receiving a call from a representative who will inform you about the next set of formalities.

Documents required to apply for Instant Neo Credit Card

Following is the usual list of necessary documents required to apply for a credit card. In certain cases, additional documents may be required by the bank.

Copy of your PAN card and/ or Form 60
Recent passport-size colour photo
Proof of residence – Electricity bill/Landline telephone bill/ration card/ Passport
Proof of income - Latest salary slip/IT returns statement/Form 16
Identity proof - Passport/ Aadhaar card/ PAN card/ driving licence

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FAQs on the Axis Bank Instant Neo Credit Card

How do I convert the purchases made through my Instant Neo Credit Card into EMI?
The HELLO-EMI facility offered by Axis Bank allows you to easily convert every purchase of Rs.2,500 and above made through your Axis Bank Instant Neo Credit Card into EMI within 60 days of the purchase through any of the following ways - Calling the bank at 1860 500 5555 or 1860 419 5555, using the Axis Bank Mobile app and using Axis Bank Internet Banking.
Will I be charged any processing fee for the EMI conversion on the Instant Neo Credit Card?
You will be charged Rs.150 or 1.5% of the amount (whichever is higher) as a one-time fee for EMI conversion.
Can I use my Axis Bank Instant Neo Credit Card to withdraw cash from ATMs?
You can withdraw cash from ATMs in India or abroad using your Axis Bank Instant Neo Credit Card as per your usage selected preference while applying for the card. You will be charged a cash withdrawal fee which would reflect on your next statement.
Can I use the Axis Bank Instant Neo Credit Card while I am in another country?
Yes, you can use your Axis Bank Instant Neo Credit Card both in India as well as abroad. However, you wouldn’t be able to make foreign currency transactions in Bhutan and Nepal.
Will I be able to redeem the reward points that I earn on a transaction if I opt for the EMI option?
No, if you avail the EMI facility, the reward points for that particular transaction will be reversed.
How to pay outstanding balance on Axis Bank Instant Neo Credit Card?
There are several methods available to Axis Bank Instant Neo Credit Card users to make payments towards their card account. These are cash, cheque or draft, internet payment, click to Pay/ VMT/ NEFT, AMTs, IMPs, and auto-debit.

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