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Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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.
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.
The card offers a wide range of offers, benefits and privileges. With this credit card, you get benefits such as
Lifestyle benefits on the Axis Bank Neo Credit Card
Rewards Program:
Secure Transactions:
Lost Card Liability:
EMI Facility:
Dining Privileges:
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.
Shopping Offers
Movie Offers:
Travel Offers:
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:
| 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 |
To apply for the Neo Credit Card, these following eligibility criteria need to be met:
*The bank has the right to change the eligibility criteria for credit cards from time to time without any prior notice.
*The list of documents mentioned above is indicative and additional documents might be asked for when you apply for the Neo credit card.
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:
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.
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.
Yes, the interest-free period offered can vary from 20 to 50 days based on the transaction date
Contact the credit card customer care of Axis Bank by dialling 18605005555 or 18604195555 to report the loss of the 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.
The bank may take up to two to three weeks to send the credit card to your communication address.
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.
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.
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.
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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