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  • Axis Bank Neo Credit Card

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  • Save when you shop and dine with the Axis Bank Neo Credit Card. When you apply for this card, you will have to pay a joining fee of Rs.250. The joining fee functions as the first-year fee and is waived if you spend a minimum of Rs.2,500 within 45 days of card approval. From the second year onwards, the annual fee charged is Rs.250. The interest charged for any overdue amount is 46.78% p.a.
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  • We found 1 Axis Bank Neo Credit Card
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    Axis Bank Neo Credit Card

    The Neo credit card was launched by Axis Bank for the people who make most of their purchases online.

    By holding this card, you can avail several offers, cashback benefits, and reward points from leading online shopping portals such as Amazon, Flipkart, Myntra, Bookmyshow, etc.

    Key Highlights of the Axis Bank Neo Credit Card

    The card offers a wide range of offers, benefits and privileges. With this credit card, you get benefits such as

    • Welcome offers from Amazon, cashback offers, gift vouchers and entertainment offers.
    • EMI facility offered which includes no-cost EMIs on selected products.
    • Lost card liability insurance is given.
    • The card offers a range of lifestyle benefits across various categories such as dining, movies and shopping.

    Benefits And Features Of The Axis Bank Neo Credit Card

    Lifestyle benefits on the Axis Bank Neo Credit Card

    • Avail attractive dining benefits at partner restaurants in India under the Axis Bank Dining Delights program.
    • Get a Jabong gift voucher.
    • The Neo Credit Card also gives you movie vouchers.

    Rewards Program:

    • Earn 2 rewards points for every Rs.200 spent using the Axis Bank Neo credit card under the eDGE Loyalty Program.
    • The rewards points can be redeemed from an exclusive catalogue on the Axis Bank website.

    Secure Transactions:

    • The credit card comes with an embedded EMV chip, to make your online transactions more secure.

    Lost Card Liability:

    • Axis Bank offers zero lost card liability insurance to Neo credit cardholders.
    • If lost, you must report it to the customer care service and all transactions on the card will be protected after that.

    EMI Facility:

    • Convert your high-value purchases into equated monthly instalments.
    • Tenures range from 6 months to 24 months.
    • Any purchase amounting to Rs.2,500 or higher can be converted into monthly instalments.

    Dining Privileges:

    • You can enjoy up to 15% off on dining bills at partner restaurants located across India.

    Axis Bank Neo Credit Card Limit

    The limit for the axis bank Neo card is given at the discretion of the bank. The credit limit offered to the cardholder is based on a number of factors which include the credit history, credit report, your credit score along with your past and ongoing debts.

    Latest Offers by Axis Bank Neo Credit Card

    Shopping Offers

    • Shopping on Myntra.com brings you a 10% discount on a minimum purchase of Rs.500.
    • Get a discount of up to 20% on purchases above Rs.1,000 made at BigBasket.
    • Avail EMI options on a wide range of products made from Croma, Reliance Digital and Snapdeal.
    • Enjoy up to 100% cashback on mobile recharge transactions made on the Freecharge app or website.
    • On Myntra.com, get a 10% discount on purchases amounting to a minimum of Rs.500.

    Movie Offers:

    • Movie ticket bookings on BookMyShow gives you a discount of 10%, with monthly benefits up to Rs.50.

    Travel Offers:

    • Opt for easy EMI payments for your travel bookings made on Yatra and Goibibo.
    • Avail a discount of up to Rs.800 on your first domestic and international flight booking made on EaseMyTrip.

    How To Redeem Reward Points Earned On Axis Bank Neo Credit Card?

    The points you earn from your Neo credit card has a validity of 3 years after which it will automatically expire. It is advised to keep a regular check on the reward points earned in order to redeem it.

    Here are the steps to follow to redeem your reward points:

    • Log in to your net banking.
    • Select 'Account Summary'.
    • Click on the 'Axis eDGE Rewards' option.
    • Check the box to accept the terms and conditions and then click on 'Redeem Now' to view your rewards.
    • From the drop-down menu, choose the reward category and add them.
    • Once done, click on confirm and the points will be redeemed.

    Fees And Charges On The Axis Bank Neo Credit Card

    Type of Charge Amount
    Joining Fees Rs.250 (Waived off if Rs.2,500 spent in 45 days)
    Annual Fees Rs.250
    Add-on card fee Nil
    Cash withdrawal fees 2.5% of the transaction amount; minimum of Rs.250.
    Duplicate statement fee Waived
    Cash payment fee at the branch Rs.100
    Card replacement fee Waived
    Late payment fee

    If the total due amount is:

    Below than 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

    Above Rs.20,000 - Rs.700

    Penalty on over-limit 3% of the over-limit amount (Minimum of Rs.500)
    Foreign currency transaction fee 3.50% of the transaction amount
    Interest on cash advances 3.50% per month
    Balance inquiry fee Waived
    Outstation cheque fee Waived
    Cheque return fee Rs.300
    Hotlisting fee Nil

    Eligibility for the Neo Credit Card

    To apply for the Neo Credit Card, these following eligibility criteria need to be met:

    • Primary cardholder should be 18 to 70 years of age.
    • Add-on cardholder should be over 15 years.
    • The applicant can be a resident or non-resident of India.

    *The bank has the right to change the eligibility criteria for credit cards from time to time without any prior notice.

    Documents For Applying For The Neo Credit Card From Axis Bank

    • Filled credit card application form.
    • A copy of PAN card or Form 60.
    • Identity proof - PAN, driving license, Aadhaar Card, etc.
    • Income proof - latest pay slips, Form 16, IT return copy, etc.
    • Residence proof - Passport, Ration Card, electricity bill, Aadhaar, etc.
    • Passport size colour photographs of the applicant.

    *The list of documents mentioned above is indicative and additional documents might be asked for when you apply for the Neo credit card.

    Axis Bank Neo Credit Card FAQs

    1. What are the different modes of paying the dues on my Axis Bank Neo Credit Card?
    2. The offline payment methods include cheque, cash, draft, and ATM payments. The online methods include the auto-debit option, NEFT transactions, net banking, mobile banking, bill desk, Visa Money Transfer facility, etc.

    3. What are the extra charges associated with the Axis Bank Neo Credit Card?
    4. The entire list of charges associated with the Neo Credit Card has been mentioned here under the fees and charges section. You can refer to the table above for more information.

    5. Does Axis Bank offer a credit-free period for Axis Bank Neo Card customers?
    6. Yes, the interest-free period offered can vary from 20 to 50 days based on the transaction date

    7. How would I report the loss of my Axis Bank Neo Card?
    8. Contact the credit card customer care of Axis Bank by dialling 18605005555 or 18604195555 to report the loss of the card.

    9. Can I get duplicate monthly statements from Axis Bank for my Neo Credit Card?
    10. Yes, duplicate monthly statements will be issued by Axis Bank only if you make the request for the same to the bank, provided all the outstanding monthly dues are paid.

      

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    Axis Bank Neo Credit Card Reviews

    • Axis Bank Credit Card
      "Average Card"
      0.5 3.0/5 "Satisfactory"
      I have asked them for a life time free card and Axis bank NEO card does not have any annual fee. Actually i have not used the card. There is no reason for choosing this particular card. I don't know about the rejection reason as well and i am not sure about the benefits provided by this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 06, 2019
    • Axis Bank
      Axis Bank Credit Card
      "Better card"
      0.5 5.0/5 "Blown Away!"
      Last 2.5 years i have been using the Axis bank Neo credit card. I use the card for shopping purpose sometimes i get offers like discount and rewards points. I get a fuel sur charges waiver. There is no yearly charges and they have given me a credit limit of RS. 1.80 lakhs and they are increasing the limit on yearly basis. Sometimes while I'm doing a transaction, it has a transaction failure issue.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 14, 2019
    • Axis Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using Axis Neo credit card for last one year. The annual charges are applicable and its reasonable. The customer service is also good. I am making the payments time to time so no idea about the charges. The interest rate is okay for EMI conversion.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 23, 2019
    • Axis Bank Credit Card
      "Better card"
      0.5 3.0/5 "Satisfactory"
      I am using Axis Neo credit card and am satisfied with the credit limit of 1.20L. I have received the card in 2004 and am not using much. Its a life time free credit card. The customer service is good but they are not fulfilling customer requirement. The payment mode is online.
      Was this review helpful? 2
      , chennai
      Reviewed on May 19, 2019
    • Axis Bank Credit Card
      "Process time should be much better"
      0.5 3.0/5 "Satisfactory"
      I have taken Axis Neo Credit card through online channel and they have taken much more time for the disbursement. The credit limit is average and the annual fee is applicable, need to pay Rs.250. It was a paperless approval and have not submitted any documents. The EMI conversion is available and the charges are reasonable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 19, 2019
    • Axis Bank Credit Card
      "Can do better"
      0.5 4.0/5 "Great!"
      I am holding neo card from Axis its has life time free benefits but I wont get much cash back because its a normal card. I can earn the points based on the transaction, I can convert the points into voucher, the redeem products are very worth I am fine with that.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 15, 2019
    • Axis Bank Credit Card
      "Need to improve the service "
      0.5 2.0/5 "Expected more"
      The credit limit is not good and have closed Axis card, I have used the card for around one year. The annual charges are there but it will be converted into points. I have used Neo card and the benefits are average. Even the customer service is not good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 13, 2019
    • Axis Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the AXIS NEO CREDIT CARD for almost an year and i am not using this card much, i rarely use it and i used to get some benefits like 10% cash backs on Redbus and Book My Show. There is a good credit limit with this card and there is no annual charges with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 06, 2019
    • Axis Bank Credit Card
      "Need to reduce the charges"
      0.5 4.0/5 "Great!"
      I hold Axis Neo card, using it for 3 years. The credit limit is okay and the interest rate is high, there was hidden charges. They don't charge annual fee and am using the card for multi purpose. Its easy to convert the payments into EMI's. The payment mode is convenient.
      Was this review helpful? 0
      , chennai
      Reviewed on May 02, 2019
    • Axis Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am having Axis Bank Credit card and using it for the past 3years.,the name of the card is Neo card .This is a free card and directly applied with the bank .The credit limit was good ,not faced any issues ,agent gave all the details and i have received the credit card on time without delay .There was cashback offers and reward points .This card is giving many cashback offers .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 25, 2019
    • Axis Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been two years since i am using the AXIS BANK CREDIT CARD, the services of them had been quite good. I am happy with the credit limit with this card and there is no annual charges with this card. There are some added benefits in using this card like cash back offers which i used to get while shopping, and the card does not have any annual charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2019
    • Axis Bank Credit Card
      "Good benefit card"
      0.5 5.0/5 "Blown Away!"
      I have a Axis Neo credit card and its about 3 to 4 years. I am happy with the benefits and the customer service. On bookmyshow.com transaction, I get flat 25% cash back without any limitation. The credit limit is sufficient and there is annual fee but it will be reversed to me according to the transactions.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • Axis Bank Credit Card
      "Better"
      0.5 4.5/5 "Excellent!"
      I am using Axis Neo credit card and its more user friendly. I would say there is lot of transparency and the benefits are great. The customer service and response is up to the mark. The charges are pretty decent compared to other banks. There is annual fee but its an issue.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      There is no charges for annual fee, its a life time free credit card. I have been using Axis Neo card for past 4 years. They have given me a maximum credit limit of 2.4L. I did not received any offers like rewards points and cash back till now. The interest rate is minimum.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2019
    • Axis Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold Axis bank neo credit card for long time,they have not charged me annual fee in this card,as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,they use to give good offers,so far i did not face any issue from them.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 10, 2019
    • Axis Bank Credit Card
      "Bad credit card experience "
      0.5 1.0/5 "Really Bad"
      My wife was using this card for last two years, and after blocking of card and final payment, again one more statement was generated for Rs. 938 which i was not aware and not received any calls also, and suddenly after 2 months they deducted Rs. 5500 from bank account directly,, even after raising with bank's nodal officer i have not got any satisfactory response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 01, 2019
    • Axis Bank Credit Card
      "Better"
      0.5 3.0/5 "Satisfactory"
      I got a credit card with Axis Bank but the limit was very low. I would request them to enhance the limit and there is no option available on the app for this. They are charging annual fee of Rs.250 rupees then there is no waive off option. I have Neo card for last 6months.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 01, 2019
    • Axis Bank Credit Card
      "Best shopping card"
      0.5 3.5/5 "Pretty good"
      I am using AXIS BANK NEO CARD more than a one year. First year its a zero annual charges no joining fee from the second year on wards Rs. 250 ,i am not sure about the wavier options. Credit limit is okay and good.Customer service needs to improve.
      Was this review helpful? 1
      , guwahati
      Reviewed on Mar 28, 2019
    • Axis Bank Credit Card
      "Need to improve the benefits and limit"
      0.5 3.0/5 "Satisfactory"
      I am using Axis Neo credit card and its been more than 8 to 9months. I am not happy with the credit limit. There is no annual fee only for the first year and after need to pay around 1000 to 1500 rupees which am not sure. I did not get any benefits till now. The charges are above average for the EMI conversion.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 26, 2019
    • Axis Bank Credit Card
      "Need transparency on the charges"
      0.5 3.0/5 "Satisfactory"
      Axis Bank experience is average, the credit limit is not sufficient and there was hidden charges. The customer service needs to be improved little bit. I have no idea about the charges. The online banking system is good and secured. There are some charges for online transfer.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 26, 2019
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