Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Axis Bank Neo Credit Card

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    Axis Bank Neo Credit Card is Rated as "Great!" by 17 Users

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    Overview:

    The newly launched “Neo Credit Card” offers a world of Platinum benefits and exceptional Neo privileges for Axis Bank customers. The Axis Bank Neo Credit Card is a one-of-a-kind card that is packed with features like welcome offers, cashback and entertainment benefits, lost card liability insurance, EMI facility, a powerful rewards program and much more. Card holders can safely transact online using their Axis Bank Neo Credit Cards as the embedded EMV chip protects users against skimming, counterfeit and fraud.

    Features and Benefits of an Axis Bank Neo Credit Card:

    • Welcome Offers:
    • Card holders can get movie vouchers worth Rs. 200 from BookMyShow as part of the welcome package. Customers will get a voucher code on their mobile phones or email addresses, when they apply for a Neo Credit Card. The card holder has to enter the voucher code when movie tickets are purchased. The code will get customers a discount of Rs. 200. Customers can also get shopping vouchers from Myntra for a value of Rs. 500. To make redemptions, Neo card holders have to look up shopping-offer16 or shopping offer16 on the Myntra mobile application. After that the required product has to be added in the cart. During check-out, the coupon code AXISACT500, has to be entered to get the discount.

    • Power of 10:
      1. Shopping on Jabong.com gets customers a cashback of 10%, with monthly benefits up to Rs. 1000.
      2. Movie ticket bookings on BookMyShow can get card holders a discount of 10%, with monthly benefits up to Rs. 50.
      3. Bus ticket bookings on redBus can get card holders a discount of 10%, with monthly benefits up to Rs. 100.
      4. Mobile recharge done via the Freecharge mobile application can get customers a cashback of 10%, with monthly benefits up to Rs. 30.
    • eDGE Loyalty Rewards Program:
    • Under the eDGE Loyalty Rewards Program, Neo card holders can get exciting gifts from the online rewards catalogue. Customers can earn 2 rewards points for every Rs. 200 spent using the Axis Bank Neo credit card. Accrued rewards points can be used to redeem from over 500 gifts from the catalogue.

    • Secure Transactions:
    • As the Axis Bank Neo Credit Card comes with an embedded EMV chip, customers can make secure online transactions without facing any fraud or counterfeit attacks.

    • Lost Card Liability:
    • Axis Bank offers zero lost card liability insurance for an amount up to the credit limit for Neo credit card customers. Card holders have to report loss of card to the customer care service and the transactions done on the card will be protected after that.

    • Hello-EMI facility:
    • Axis Bank Neo Credit Card holders can convert their high-value purchases into monthly installments which can be conveniently repaid within tenures ranging from 3, 6, 9 to 12 months. Any transaction for a value of Rs. 2500 or higher can be converted into monthly installments by customers. The interest rate offered on the EMI facility is lower than normal interest rates. Customers can make conversions at an interest rate of 1.5% per month, calculated on a monthly reducing balance. Axis Bank will charge a processing fees of Rs. 150 or 1.5%, whichever is higher, when conversions are done.

    Eligibility - Axis Bank Neo Credit Card:

    The primary applicant for a Neo Credit Card should be aged between 18 and 70 years. Add-on card holders should be aged 15 years or above. The applicant should be an Indian resident or a Non-resident Indian (NRI).

    Documentation:

    Customers applying for an Axis Bank Neo credit card have to submit the following documents. Additional documents may also be taken on a case-by-case basis.

    1. Copy of PAN card / Form 60
    2. One Color Photograph of the applicant
    3. Proof of Residence - Ration Card / Passport/ Landline Telephone Bill / Electricity Bill
    4. As Income Proof - Form 16/ IT returns statement/ Latest salary slip
    5. Identity Proof - PAN card / Passport/ Aadhaar card/ Driving License

    Fees & Charges:

    Annual Fees

    First Year - Nil

    After the 2nd year - Rs. 250

    Joining Fees Rs. 250/ The fee will be waived if purchase transaction exceed Rs. 2500 for the first 45 days.
    Card Replacement Fee Waived
    Finance Charges - Cash and Retail Transactions 3.25% per month
    Finance Charges - On cash Advances 3.25% per month
    Add-on Card Joining Fees NIL
    Add-on Card Annual Fees
    Cash Payment Fee Rs. 100
    Outstation Cheque Fee Waived
    Copy Request Fee / Charge slip Retrieval Fee Waived
    Hot listing Charges NIL
    Mobile Alerts for Card Transactions Free
    Cash Withdrawal Fees 2.5% or a minimum of Rs. 250 of the amount withdrawn
    Over Limit Penalty 3% or a minimum of Rs. 500 of the over limit amount.
    Surcharge on cancellation or purchase of Railway Tickets As per IRCTC norms
    Cheque return /Auto-debit Reversal/ Dishonour Fee Rs. 300
    Fuel Transaction Surcharge Rs. 10 or 2.5% of the transaction amount, whichever is higher
    Service Tax 14.50%
    Foreign Currency Transaction Fee 3.5% of the transaction amount

    Late Payment Charges:

    Balance Amount Charges
    Up to Rs. 2000 Rs. 300
    Rs. 2001 to Rs. 5000 Rs. 400
    Rs. 5001 and more Rs. 600

    How do you apply online for an Axis Bank Neo Credit Card on BankBazaar?

    BankBazaar offers a convenient online application process for customers to easily apply for an Axis Bank Neo Credit Card. The credit card application can be done in just a few minutes on a completely safe platform. Prospective borrowers need to choose “Credit Cards” available under the Cards menu on the BankBazaar home page. Individuals can read reviews from other customers for the Axis Bank Neo Credit Card and get extra information on the card. After the selection is made, individuals have to fill the application questionnaire shown and enter certain details like category, city, monthly salary, company, credit cards and salary account details along with personal information. If the application process has been completed by the customer, BankBazaar will instantly e-approve the same. An email confirmation for the credit card application will also be delivered to the customer’s email address. The Axis Bank Neo Credit Card application will be forwarded to Axis Bank for further processing.

    Axis Bank Neo Credit Card FAQs:

    1. What are the different modes that can be used by Axis Bank Neo Credit Card holders to pay outstanding bills?
    2. Neo card holders can use the below mentioned modes to make payments towards their outstanding credit card bills -

      • Cheque / Cash/ Draft
      • Online payments via Axis Bank savings accounts
      • Auto-debit
      • NEFT transactions
      • Click to Pay
      • Visa Money Transfers
      • ATM Payments
      • Credit Card payment through IMPS
    3. What is the order of payments done for Neo card accounts?
    4. Payments are done in the following manner -

      • Fees/ Charges plus taxes
      • Interest Charges
      • Cash Advances
      • Dial-a-draft
      • Monthly Installments
      • Balance Transfers
      • Purchase transactions.
    5. Can Neo card customers get duplicate monthly statements from Axis Bank?
    6. Yes, duplicate monthly statements will be issued by Axis Bank only if the customer makes the request to the bank, provided all the outstanding monthly dues are paid.

    7. Does Axis Bank provide any insurance cover for Neo card holders?
    8. The following insurance covers are provided by Axis Bank to Neo card holders -

      • Zero Lost Card Liability
      • Purchase Protection
      • Credit Shield
      • Delay in Check-in Baggage
      • Loss of Check-in Baggage/ Travel Documents
    9. Does Axis Bank offer a credit-free period for Neo Card customers?
    10. Yes, the interest free period offered can vary from 20 to 50 days based on the transaction date.

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