Axis Bank
Neo · Neo
Axis Bank Neo Credit Card
Axis Bank
Free entry-level credit card with online cashback
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.1%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹3,050
Total Annual Benefits
₹3,050
Total Annual Charges
₹0
ROI
0%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Cashback Benefits (1)
1% Cashback on Online Spends
Earn 1% cashback on all online transactions
- • Valid on online transactions only
1% cashback
Reward Points (1)
Welcome Bonus
Get 250 reward points on card activation as welcome bonus
- • Credited on first transaction within 30 days of card issuance
250 points
₹50/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
Axis Edge Reward Points
1 RP per ₹200 on online spends
Effective cashback: 0.10%
Points expire: 3 years from date of accrual
Redemption Options
- → Products & Gift Vouchers via Edge Rewards portal
- → Statement credit
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Nil |
| Annual Fee | Free Nil |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹12,000
- Min. Annual Income
- ₹1,44,000
- Min. Credit Score
- 650
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹12,000
- • Self-Employed: ITR > ₹1.44 Lakh p.a.
- • Age 18–65 years
- • Ideal as a first credit card
- • No joining or annual fee
Insurance Coverage
Lost Card Liability
₹25,000
Report within 24h
- • Lost card liability: ₹25,000
- • Report loss within 24 hours for coverage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Zero joining and annual fee Virtual card available
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Axis Neo Credit Card is a beginner-friendly credit card with zero joining and annual fees. It offers 1% cashback on all online spends and a welcom...
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