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Credit Cards · India

Axis Bank NEO Credit Card

Updated 15 Apr 2026Source-linked

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

It earns up to 2% back on bill payments online spends in the form of edge reward points (points).

Welcome benefit: Amazon voucher worth ₹250.

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
  • 2% on bill payments online
  • Base 0.10% on other spends
Welcome Benefits
  • Amazon voucher worth ₹250
Axis Bank logoAxisVisa logoclassicentry
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Rewards and Benefits

Rewards Rate
2% on bill payments online
Base 0.10% on other spends.
Reward Redemption
EDGE Rewards: Redeem at ₹0.2 per unit.
Welcome Benefits
Amazon voucher worth ₹250
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
N/A

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by Axis Bank.
  • Joining / annual fee of ₹250 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
Cons
  • 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.

₹250 welcome benefit

  • Amazon voucher worth ₹250
    Spend ₹2,500 within 45 days
    Window: 45 days from issuance.

Accelerated rewards

  • 2% on bill payments online

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.

Sources

Last verified 15 Apr 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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