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

    Save when you shop and dine with the Axis Bank Neo Credit Card. When you apply for this Axis 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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    Fee Details

    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.

    How to Apply for the Axis Bank Neo Credit Card Online?

    You can apply for the Neo credit card online through the Axis Bank website.

    The card can also be applied for in a completely paperless way through BankBazaar. Here are the steps which need to be followed:

    1. Check your eligibility for the card by clicking 'Check Eligibility'.
    2. Submit the information that you are asked for.
    3. Next, upload the documents when you are prompted to do so.
    4. Use the tracking ID on the 'Track Application' process and get the application status.

    Axis Bank Neo Credit Card FAQs

    1. What are the different modes of paying the dues on my Axis Bank Neo Credit Card?

      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.

    2. What are the extra charges associated with the Axis Bank Neo Credit Card?

      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.

    3. Does Axis Bank offer a credit-free period for Axis Bank Neo Card customers?

      Yes, the interest-free period offered can vary from 20 to 50 days based on the transaction date

    4. How would I report the loss of my Axis Bank Neo Card?

      Contact the credit card customer care of Axis Bank by dialling 18605005555 or 18604195555 to report the loss of the card.

    5. Can I get duplicate monthly statements from Axis Bank for my Neo Credit Card?

      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.

    6. How many days it would take for me to get my credit card after applying for it?

      The bank may take up to two to three weeks to send the credit card to your communication address.

    7. I am not a resident of India. Can I apply for this credit card?

      If you are a non-resident Indian (NRI), then you can surely apply for this credit card provided you have all the correct KYC documents for the application for the credit card to be successful.

    8. I have applied for a new Neo Credit Card. How can I check its status?

      You can check the status of your new Neo Credit Card by either calling the customer care number and quoting your application or reference number or by simply logging in to your net banking portal where you will find the option to view the status of your credit card application.

    9. How can I view my e-Statement?

      You can view your e-Statement by simply logging in to the net banking portal where you will find the ‘Credit Card’ section. Simply select the Neo Credit Card for which you wish to check the statement. Click on ‘View Statement’ and select the period for which you wish to check the list of transactions.

      You can also authorise the bank to send you e-statement at the end of the month to your registered email ID as well.

    10. I am below the age of 18 years and wish to apply for a Neo Credit Card. What are the documents should I produce?

      If you are below the age of 18 years and wish to apply for a Neo Credit Card, then you will require your parents to apply on your behalf. The parent will be given the credit card while you will be provided with an add-on card. Your parents will have to submit the necessary KYC documents for the application for Neo Credit Card to go through.

      

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    Axis Bank Neo Credit Card Reviews

    • Axis Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      AXIS Bank given a credit limit of Rs. 40,000 and i am using this card for all purposes. This bank offered me a Neo credit card and i am using this card more than 1 year. Annual charges for this card is Rs. 500 and there is a no fee wavier and i applied this card through bank directly.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 13, 2020
    • Axis Bank
      Axis Bank Credit Card
      "Very Good Card Service"
      0.5 5.0/5 "Blown Away!"
      I am holding NEO credit card from Axis bank and i get a money back offer on this card. They have given me a credit limit of Rs. 40000 and they don't charge me any annual fee because based on my salary account they have given me this card. I am using this card for last 1 year. They do sent offer messages to my number.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 12, 2020
    • Axis Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have a neo card from Axis bank and my fuel sur charge is getting waived off. I'm getting cashbacks and reward points on restaurants. I am holding this card for almost 1 year. They have upgraded my card into neo. I need to pay the annual fee of Rs. 500. If i do some transaction in starting days, they will waive off the annual fee.
      Was this review helpful? 0
      , rajkot
      Reviewed on Mar 03, 2020
    • Axis Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      I have contacted the customer service of Axis bank to know about my transaction, the service is good. It is life time free card, there is no joining charges for me. I am having a Neo credit card but I'm not interested in any kind of benefits like reward points, discounts. I will use this card for all my purchase after that i will make the payment on time before the due date hence I'm not aware of the interest.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Mar 02, 2020
    • Axis Bank Credit Card
      "Okay Card"
      0.5 4.0/5 "Great!"
      I am having a neo credit card from Axis bank. I'm getting more reward points on this card hence for reward points purpose only I'm using this card. They have given me a credit limit which is not satisfactory to me. Based on the usage, they will increase the limit. They haven't charged me any kind of annual fee.
      Was this review helpful? 1
      , chennai
      Reviewed on Feb 28, 2020
    • Axis Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Using my Axis bank credit card for almost 3 years. Already i have a savings account with Axis bank based on that they have provided me a Neo card. I can convert my purchase into EMI, they are providing a loan without any documents. I get a reward points & cashback for the transactions.
      Was this review helpful? 2
      , chennai
      Reviewed on Feb 20, 2020
    • Axis Bank Credit Card
      "Don't go for credit card"
      0.5 1.0/5 "Really Bad"
      First of all they charge too much and second thing generat the statement not fully reflect everything . And have very poor customer care support . They won't guide you very well and facility is poor. They will tell you anything they don't have even idea of it and if you ask about something charges they made they will distract you with some invalid charges ... Totally unloyal with your money .. don't give a damn about your facility and rights ..
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 28, 2020
    • Axis Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I am using AXIS bank Neo credit card and the limit of the card is 25,000 and cash withdrawal limit is Rs. 5,000. I am using this card for almost 2 years. Card transactions are smooth when I use in POS machines. They are sending the statements on time to my mail id.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 24, 2020
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using AXIS NEO credit card for the past 2 years and this is my first card. Initially Rs. 65k. After i upgrading as a privilege card going to increase my limit high. Annual charges is Rs. 500 wavier not really sure. When ever i used credit card i never used reward points, i am getting pvr benefits chroma and more.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 12, 2020
    • Axis Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have taken Axis bank Neo credit card few months ago as I received a promotional call from their agent. They provided me a credit limit of Rs. 30000. I have not got any joining benefits. I have received a first month bill from Axis bank recently and its absolutely clear to understand. But one thing I'm not satisfied with the credit limit which can be better.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 05, 2020
    • Axis Bank Credit Card
      "Need to improve the customer support"
      0.5 4.0/5 "Great!"
      Axis bank is taking too much of time to connect with the customer care. Whenever i call them, there is no regional call centre executive is available. To connect with the customer care, it takes almost 20 minutes. I am having a neo credit card from Axis bank. They told me that the annual fee is zero but they charged me Rs. 250.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 05, 2020
    • Axis Bank Credit Card
      "Excellent Card"
      0.5 4.0/5 "Great!"
      Chosen my credit card from Axis bank because actually i don't have any credit card and the service is good other than that i have a salary account with them hence its easy to make the payment through online. I'm having the Neo card from Axis bank. I'm using this card for a purchases in the shopping mall. From Axis, they are not sending any kind of offer messages.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 03, 2020
    • Axis Bank Credit Card
      "Better Card"
      0.5 4.5/5 "Excellent!"
      I am having a Neo credit card from Axis bank and they have provided me a credit limit of Rs. 1 lakh. Even though I'm having this card for a long time, i am not aware of the offer details. They don't send any offer details through mails and messages. I am not doing any transactions from this card on a regular basis. Sometimes i use this card for purchase or recharges.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 31, 2019
    • Axis Bank Credit Card
      "Good one"
      0.5 3.0/5 "Satisfactory"
      In Axis bank, they are not increasing my credit card limit. I hold a neo credit card and I'm not sure about the benefits offered by this card. Using my Axis bank card for more than 3 years. I don't know how to use the rewards points and so far i have got 1600 rewards points. I always get offers on shopping in website like Amazon and Flipkart.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 28, 2019
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      AXIS Neo credit card which am using hardly for a year. I got this credit card offer directly from bank because i already have an account with Axis hence i have not given any documents. Credit limit is fine and they provided me a life time free card. Customer service was good.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 28, 2019
    • Axis Bank Credit Card
      "Best service"
      0.5 5.0/5 "Blown Away!"
      As I have a salary account with Axis they offered me Neo credit card which I have taken it recently. Bank executive came for verification it was a 10 minutes process and received the card within 3 to 4 days. I have a credit limit of 1.5L which is sufficient. I get offer of buy 1 get 1 movie tickets and 6 complementary domestic lounge access in a year. It is a life time free credit card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 18, 2019
    • Axis Bank Credit Card
      "Super Card"
      0.5 5.0/5 "Blown Away!"
      I have spoke with the customer care of Axis Bank, to increase my credit limit and they have enhanced the same in 7 days. Am using Axis bank Neo card for around 2 years. The special benefit on the card is there is no convenient fee for paying LIC payment. This was a life time free card so that i have chosen it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 18, 2019
    • Axis Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      In Axis bank credit card, i have not faced any issues hence i have never interacted with the customer care. I have been converted my purchased into EMI and the charges are nominal. Its a neo card. Recently, they have enhanced my credit limit. The card is safe and secure to use.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Nov 28, 2019
    • Axis Bank Credit Card
      "Need to provide more offers"
      0.5 3.0/5 "Satisfactory"
      I am using AXIS bank NEO card for more than 3 years. There is no yearly fee chargeable. Credit limit is good and sufficient, initially offered a low limit and now they have enhanced well. There is no much offers in this card to use. I will be getting discount up to 10% for a movie ticket in book my show.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 11, 2019
    • Axis Bank Credit Card
      "Better card"
      0.5 5.0/5 "Blown Away!"
      I have a neo card from Axis bank and there is no much benefits available on this card. They have provided me a credit limit of Rs. 50000. Its a zero annual fee card. I have received the card on time. I'm receiving the statement by emails. They are sending the offers on a time to time.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Nov 09, 2019
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