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Credit Cards · India

Axis Bank NEO Credit Card

Updated 3 Jul 2026Source-linked

The Axis Bank NEO Credit Card is a entry credit card from Axis Bank, with a joining fee of ₹250 + GST.

Welcome benefit: 100% cashback up to ₹300 on first utility bill payment.

Axis Bank logo
Axis Bank NEO Credit Card
Visa logo
  • Joining Fee₹250
  • Annual Fee₹250
  • Best Suited ForEveryday spends
  • Reward TypeEDGE Reward Points (points)
Rewards Rate
  • Base rate 0.09%
Welcome Benefits
  • 100% cashback up to ₹300 on first utility bill payment
Data verified 3 Jul 2026 — see our methodology
Axis Bank logoAxisVisa logoclassicentry
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Rewards and Benefits

Rewards Rate
Base 0.09% on other spends.
Reward Redemption
EDGE Rewards: Redeem at ₹0.2 per unit.
Welcome Benefits
100% cashback up to ₹300 on first utility bill payment
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Zomato instant discount — Flat ₹120 off on food delivery at Zomato with NEO Credit Card.
  • Paytm utility bill discount — 5% off on mobile recharges, broadband and DTH recharges done through Paytm.
  • Blinkit discount — 10% off on Blinkit, up to ₹250 off on minimum spend of ₹750, valid once per month.
  • +1 more

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.1% = ₹14/mo
  • Groceries₹8,000 · 0.1% = ₹7/mo
  • Dining & food delivery₹8,000 · 0.1% = ₹7/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.1% = ₹9/mo
  • Utilities & bills₹5,000 · 0.1% = ₹5/mo
Est.net rewards for this spend, realistic
₹247/yr

₹497 rewards − ₹250 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
N/A
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by Axis Bank.
  • Joining / annual fee of ₹250 + GST.
  • Available on the Visa network.

Pros & Cons

Pros

No derived pros.

Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹300 welcome benefit

  • 100% cashback up to ₹300 on first utility bill payment
    First utility bill payment within 30 days of card issuance
    Window: 30 days from issuance.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums

Other benefits

  • Zomato instant discount. Flat ₹120 off on food delivery at Zomato with NEO Credit Card.
  • Paytm utility bill discount. 5% off on mobile recharges, broadband and DTH recharges done through Paytm.
  • Blinkit discount. 10% off on Blinkit, up to ₹250 off on minimum spend of ₹750, valid once per month.
  • Cleartrip travel benefit. Flat 7% off (up to ₹2,000) on domestic and international flight bookings and flat 18% off (up to ₹4,000) on hotel bookings via Cleartrip, once per month each.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
700+
Income (salaried)
₹1,80,000 p.a.
Income (self-employed)
₹1,80,000 p.a.
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