Axis Neo Credit Card: Fees, Rewards & Benefits
Rewards card
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A zero-fee starter card whose entire value is in its Zomato, Myntra and Blinkit discounts and the Rs.250 welcome voucher rather than rewards, since the base earn is a negligible ~0.1%. Worth keeping only if you regularly use those partner apps.
Rewards card
The Bottom Line
The Axis Neo is built for online shopper and first card holder. With no annual fee, it offers a welcome benefit worth ₹250 and welcome benefit - amazon voucher. It makes the most sense if your spending matches online shopper and first card holder.
It earns a base reward rate of 0.1% and stacks best when your spending lines up with Online shopper, First card holder.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealFrequent Zomato, Myntra and Blinkit users who will extract more from the monthly discount caps than from any reward points.
Young users wanting a no-fee starter card to build credit history with handy app discounts.
Probably not for
SkipAt roughly 0.1% base earning and no accelerated tiers, this card earns almost nothing in points.
No lounge access and a 3.5% forex markup make it a non-starter for anyone who travels.
Is It Worth It For You?
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Reward Rates
Axis Neo offers 0.1% basic reward rate.
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Welcome Offer
Amazon Pay gift voucher worth Rs. 250 on your first transaction. Also includes 100% cashback (max Rs. 30) on first mobile recharge, 6-month Blinkit membership, 3-month Zomato Pro membership, 1-month EazyDiner Prime membership, 1-month Pharmeasy Plus membership, and 6-month Wynk Premium subscription. All benefits are subject to activation within 30 days of card issuance.
Fees & Charges
Eligibility
- Min Income: ₹6 Lakhs
- Min Credit Score: 750
- Age 18-70, Indian resident; lifetime free (select channels); min monthly income ₹15,000 salaried.
Exclusions & Terms
Forex markup
- Foreign currency markup
Indian Railways/IRCTC
- Surcharge as prescribed by Indian Railways/IRCTC is applicable, though a waiver is available.
Wallet Reload
- Does not earn rewards.
EMI
- Does not earn rewards.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the Axis Bank website.
Apply on Axis Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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