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Side-by-Side Comparison|Updated March 2026

Axis Bank Aura Credit Card vs Axis Bank Neo Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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Axis Bank

Axis Bank Neo Credit Card

7.2/10
Annual Fee₹250
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Aura Credit CardAxis Bank Neo Credit Card
Annual Fee₹749₹250
Joining Fee₹749₹250
Fee Waiver SpendN/AN/A
Base Reward Rate0.2%0.2%
Reward CurrencyEDGE Reward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Aura Credit Card

  • 0% on Insurance

Axis Bank Neo Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

Axis Bank Neo Credit Card

Pros

  • 40% off on Zomato up to ₹120 per order (twice monthly, min spend ₹499).
  • 5% off on utility bills via Paytm up to ₹150 per month.
  • 10% instant discount on Blinkit (up to ₹250) and BookMyShow (up to ₹100).
  • Flat ₹150 off on Myntra for select styles on minimum spend of ₹999.

Cons

  • Very low base reward rate of 0.1% (1 point per ₹200).
  • No complimentary airport lounge access.
  • Reward points excluded on fuel, rent, insurance, and utilities.

Our Verdict

Both Axis Bank Aura Credit Card and Axis Bank Neo Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Choose Axis Bank Neo Credit Card if

Low entry barrier and easy approval for those with basic income.

Frequently Asked Questions

Which is better: Axis Bank Aura Credit Card or Axis Bank Neo Credit Card?
Both Axis Bank Aura Credit Card and Axis Bank Neo Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Aura Credit Card and Axis Bank Neo Credit Card?
Axis Bank Aura Credit Card has an annual fee of ₹749, while Axis Bank Neo Credit Card has an annual fee of ₹250.
Which card has better rewards: Axis Bank Aura Credit Card or Axis Bank Neo Credit Card?
Axis Bank Aura Credit Card offers a base reward rate of 0.2% with accelerated rewards on Insurance. Axis Bank Neo Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Aura Credit Card and Axis Bank Neo Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Aura Credit Card and Axis Bank Neo Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Aura Credit Card or Axis Bank Neo Credit Card?
For beginners, Axis Bank Neo Credit Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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