Skip to content
CreditParakh

Type a card, bank or topic, for example “Infinia”, “lounge” or “personal loan”.

Menu

Axis Bank

Axis Bank Neo Credit Card

Offers-led starter card: Zomato, Blinkit, BookMyShow, Paytm and Cleartrip discounts, plus 1 EDGE point per ₹200 spent.

  • ₹250 joining, ₹250 a year
  • Works on UPI (RuPay)
  • RuPay
Apply nowVia our referral partner. We may earn a commission.

Pros and cons

Good

  • Nothing stands out against the cards we compare.

Watch out for

  • Earns nothing on utility bills, insurance, government payments, wallet loads, rent and fuel
  • The bank doesn't publish what a reward point is worth
  • High forex markup (3.5%)
Who it's for
People whose spending matches its best category: everyday spends.
Skip it if
You want rewards to cover the fee: a free card pays as much.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Fuel
0%
Bills and utilities
0%

Fees and charges

Joining fee
₹250
Annual fee
₹250
Fee waiver
Joining fee ₹250, charged after you activate the card (the bank advertises it as lifetime free through some application channels). Annual fee ₹250 from year 2; no spend-based waiver is published.
Forex markup
3.5%
Fuel surcharge waiver
Not published by the bank

Benefits and eligibility

Airport lounge
Not published by the bank
Card network
RuPay
UPI payments
Yes, as a RuPay credit card
Minimum income (salaried)
Not published by the bank
Eligibility
Primary cardholder aged 18 to 70; resident of India or NRI; approval at bank's discretion

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the Axis Bank Neo Credit Card?

Apply nowVia our referral partner. We may earn a commission.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Axis Bank.

Related guides

What changed recently

  1. UpcomingOtherWorse for you

    The 10% BookMyShow discount (up to ₹100) will need ₹25,000 of spend in the previous 3 months (waived for a new card's month of issue and the next 3 months).

    Before: No spend condition · After: ₹25,000 spend in the previous 3 calendar months

    Announced change, takes effect after the log date.

    Bank's notice or terms
  2. FeesWorse for you

    Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.

    Before: 1.5% · After: 3.5%

    Bank's notice or terms
  3. FeesWorse for you

    Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.

    After: ₹1,300 on balances of ₹50,000 and above

    Bank's notice or terms
  4. Excluded spendsWorse for you

    Bridge fees, road fees and tolls no longer earn reward points.

    After: No points on bridge fees, road fees and tolls

    Bank's notice or terms

All card changes, month by month

Questions people ask

Is the Axis Bank Neo Credit Card worth it in 2026?

Hard to say: the bank doesn't publish what its rewards are worth, so check its reward terms first. The catch: earns nothing on utility bills, insurance, government payments, wallet loads, rent and fuel.

Is the Axis Bank Neo Credit Card lifetime free?

No. It costs ₹250 to join and ₹250 a year, plus GST. Joining fee ₹250, charged after you activate the card (the bank advertises it as lifetime free through some application channels). Annual fee ₹250 from year 2; no spend-based waiver is published.

Does the Axis Bank Neo Credit Card work on UPI?

Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments.

Does the Axis Bank Neo Credit Card give airport lounge access?

No complimentary airport lounge access.

What earns no rewards on the Axis Bank Neo Credit Card?

Also no points on telecom, gift cards, bridge and road fees and tolls, or card repayments. No cap on points earned is published (1 point per ₹200; the rupee value of a point isn't published).

Who can get the Axis Bank Neo Credit Card?

Primary cardholder aged 18 to 70; resident of India or NRI; approval at bank's discretion Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read Axis Bank's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 18 Oct 2026 on Axis Bank's official page. Fees and rewards change; check the issuer's terms before you apply.