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Features of Axis Bank Neo Credit Card

  • Online Shopping Discounts: The Axis Bank Neo Credit Card is tailored for modern consumers who prioritize convenience, savings, and a rewarding digital banking experience. Designed with a focus on online shopping, dining, and entertainment, this entry-level credit card offers a range of features that cater to millennials and first-time cardholders. Below, we explore the key features of the Axis Bank Neo Credit Card, highlighting its discounts, rewards, security measures, and additional benefits that make it a compelling choice for everyday spending.
  • Zomato Food Delivery Discounts: One of the standout features of the Axis Bank Neo Credit Card is its generous discount on food delivery through Zomato. Cardholders can enjoy up to 40% off on Zomato orders, with a maximum discount of ₹120 per order. This offer is applicable twice a month on a minimum order value of ₹200. To avail of this discount, users must apply the coupon code AXISNEO at checkout. This feature is particularly appealing for food enthusiasts who frequently order meals online, making dining at home both affordable and convenient.
  • Blinkit Grocery Shopping Offers: For those who rely on quick-commerce platforms for grocery and daily essentials, the Neo Credit Card offers 10% off on Blinkit purchases. Cardholders can save up to ₹250 per month on a minimum spend of ₹750. This once-a-month discount is ideal for urban dwellers who prefer the convenience of doorstep delivery for their household needs, ensuring savings on recurring expenses.
  • Myntra Fashion Discounts: Fashion-conscious shoppers can benefit from a ₹150 discount on Myntra purchases with a minimum spend of ₹999. This offer, available on selected styles, allows cardholders to refresh their wardrobe without breaking the bank. The discount is applicable once per month, making it a great perk for those who shop for apparel and accessories online.
Axis Bank IndianOil Credit Card
    • Travel Benefits:
    • Complimentary Domestic Lounge Access: For frequent domestic travelers, the Axis Bank Privilege Credit Card offers up to 8 complimentary lounge visits per year (max 2 visits per quarter) at select lounges in cities like Bangalore, Chennai, Delhi, Hyderabad, Kolkata, and Mumbai. To qualify, cardholders must spend ₹50,000 in the previous three months, waived for the first four months after issuance. This enhances travel comfort with a relaxing space before flights.
    • Travel Voucher Benefits: Upon activation, users receive ₹5,000 worth of shopping or travel vouchers usable on flights, hotels, or holiday packages via partnered platforms like Yatra.
    • Dining and Lifestyle Perks:
    • Dining Delights Program: Up to 20% off at 4,000+ partner restaurants across India. Plus, discounts up to ₹800 via EazyDiner.
      • Swiggy Discounts: 30% instant discount up to ₹150 per month on minimum spends of ₹200.
    • Fuel and Convenience Benefits:
    • Fuel Surcharge Waiver: 1% waiver on transactions ₹400–₹4,000 at fuel stations (max ₹400 per billing cycle). No reward points earned on fuel transactions.
    • EMI Conversion: Purchases above ₹2,500 can be converted into easy EMIs via mobile app, net banking, or customer service at approx 1.5% monthly interest on reducing balance.
    • Insurance and Security Features:
    • Comprehensive Insurance Coverage:
    • Air Accident Cover: Up to ₹2.5 crore.
    • Purchase Protection: Up to ₹1 lakh for damage/theft.
    • Credit Shield: Up to ₹1 lakh for outstanding balance.
    • Lost Travel Documents: Up to USD 300 coverage.
    • Delayed/Lost Baggage: USD 300/500 coverage respectively.
    • EMV Chip and PIN Security: Advanced chip & PIN reduces fraud risk, securing online and offline transactions.
    • Fee Waivers and Additional Perks:
    • Annual Fee Waiver: ₹1,500 fee waived if ₹5 lakh spent in previous anniversary year. Priority Banking customers may get lifetime-free or reduced fees.
    • Renewal Bonus: 3,000 EDGE Reward Points on renewal.
    • Global Acceptance: Accepted worldwide on Visa/Mastercard networks. Foreign currency markup 3.5% + GST.
    • Unique Program Features:
    • Axis Grab Deals: Access to enhanced rewards (up to 5X EDGE Points) at select merchants like Amazon, Flipkart, Myntra.
    • No Reward Points on Select Categories: Fuel, insurance, government services, utilities, education, wallet transactions, and gold/jewelry do not earn points.
    • Tailored for Priority Customers: Priority Banking customers receive lifetime-free cards or reduced welcome bonuses (6,250 EDGE Points vs. 12,500 standard).
    • BookMyShow Movie Ticket Discounts: 10% off on movie tickets via BookMyShow, up to ₹100 per month, once per month.
    • Dining Delights Program: Up to 15% off (₹500 max) at partner restaurants, twice per month on min order ₹1,500.
    • Utility Bill Payment Offers:
    • 100% Cashback on First Utility Bill Payment: Up to ₹300 cashback within 30 days of card issuance (Paytm, Amazon Pay).
    • 5% Off on Ongoing Utility Payments: Mobile, broadband, DTH payments via Paytm, up to ₹150 per month.
    • EDGE Rewards Program: Earn 1 EDGE Reward Point per ₹200 spent. Redeem points for e-vouchers, travel bookings, or products. Points worth ₹0.20 each, valid for 3 years.
    • Security Features: EMV Chip and PIN technology. Zero lost card liability after reporting lost/stolen card.
    • Flexible EMI Conversion Options: Convert purchases above ₹2,500 into EMI (6 to 24 months tenure). Special EMI discounts on travel bookings via Yatra, Goibibo, MakeMyTrip.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions ₹400-₹4,000, capped at ₹400/month.
    • Welcome Benefits and Vouchers: ₹250 Amazon gift voucher. ₹200 Zomato voucher. ₹250 Blinkit voucher. 6-month PharmEasy subscription. Vouchers sent within 45-60 days of first spend.
    • RuPay Variant for UPI Integration: Link card with UPI apps for easy mobile payments.
    • Low Fees and Accessibility: Joining and annual fee ₹250 + GST, waived if ₹2,500 spent within 45 days. Often offered as Lifetime Free via select channels. Easy online application with minimal documentation.
    • Customer Support and Digital Banking: 24x7 customer care via toll-free numbers. 'Open' mobile app for managing card, redeeming points, and tracking spends.
Axis IndianOil Credit Card Benefits

Benefits of the Axis Bank Privilege Credit Card

  • Online Shopping Discounts
    Save on Zomato Food Delivery — One of the standout benefits of the Axis Bank Neo Credit Card is the 40% discount on Zomato food delivery orders, capped at ₹120 per order. This offer is valid twice a month for orders with a minimum value of ₹200. By applying the coupon code AXISNEO at checkout, cardholders can significantly reduce their food delivery expenses. For regular Zomato users, this translates to substantial savings, making it ideal for those who frequently order meals or snacks online.
  • Discounts on Blinkit
    The card offers a 10% discount on Blinkit, up to ₹250, on a minimum spend of ₹750. This offer, available once per month, is perfect for quick grocery shopping or last-minute essentials. Whether you’re stocking up on household items or grabbing a quick snack, the Blinkit discount ensures you save on convenience-driven purchases.
  • Myntra Shopping Benefits
    Fashion enthusiasts can enjoy ₹150 off on Myntra purchases with a minimum spend of ₹999 on selected styles. This discount, available once per month, makes the Axis Bank Neo Credit Card a great companion for updating your wardrobe. From casual wear to festive outfits, cardholders can shop smarter on one of India’s leading fashion platforms.
    • Paytm Utility Bill Payments: The card provides a 5% discount, up to ₹150 per month, on mobile recharges, broadband payments, and DTH recharges through Paytm.
    • Entertainment and Movie Offers:
    • BookMyShow Movie Ticket Discounts: 10% discount on movie ticket bookings through BookMyShow, max ₹100 per month.
    • Welcome Vouchers for Entertainment: Gift vouchers like ₹200 for BookMyShow to enhance entertainment value.
    • Dining Delights: Up to 15% off (₹500/month cap) at partner restaurants via Dining Delights program. Zomato benefits include 40% delivery discount and dining offers at select restaurants.
    • Reward Points Program: Earn 1 EDGE Reward Point per ₹200 spent. Points valid for 3 years and redeemable for vouchers, electronics, travel, etc., via the Axis Bank EDGE Rewards Portal.
    • Financial Flexibility and Convenience: Convert purchases above ₹2,500 into EMIs from 6 to 24 months via mobile app or net banking. Interest starts at 1.5% per month.
    • 1% Fuel Surcharge Waiver: Applicable on transactions between ₹400 and ₹4,000 at authorized fuel stations, capped at ₹400/month. No reward points on fuel spends.
    • Zero Lost Card Liability: Protection against fraudulent transactions from the moment the loss is reported.
    • Enhanced Security Features: EMV Chip & PIN for secure online and offline transactions.
    • RuPay Variant for UPI Payments: Link the card to UPI apps for easy mobile payments.
    • Welcome and Activation Benefits: Amazon gift vouchers worth ₹250, Zomato Pro subscription (3 months), PharmEasy subscription (3-6 months), and lifetime free option available through select channels.
    • Accessibility and Ease of Use: Simple online/offline application with flexible eligibility. Documents required include identity proof, income proof, and address proof.
    • 24/7 Customer Support: Dedicated helplines for queries on rewards, EMI, activation, and more.
    • Why Choose the Axis Bank Neo Credit Card? Ideal for millennials and first-time users seeking instant discounts, low fees, and versatile benefits across shopping, dining, and entertainment without premium card complexities.
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How to Apply Process for Axis Bank Neo Credit Card

  • 1. Online Application
    • Visit the official Axis Bank website (www.axisbank.com).
    • Navigate to Credit Cards > Neo Credit Card and click “Apply Now.”
    • Enter your mobile number, PAN, DOB, and verify via OTP.
    • Fill in personal, financial, and employment details.
    • Upload required documents like PAN card, address proof, and income proof.
    • Complete the Video KYC (VKYC) with original documents handy.
  • 2. Offline Application
    • Visit the nearest Axis Bank branch.
    • Request and fill out the credit card application form.
    • Attach self-attested copies of identity, income, and address proofs.
    • Submit the completed form and documents to the branch representative.
    • Bank may conduct telephonic or physical verification.
  • 3. Partner Platforms
    • Apply through trusted third-party sites like Paisabazaar or BankBazaar.
    • Complete eligibility check, form filling, document upload, and VKYC.
    • Some platforms offer lifetime-free card variants—verify before applying.
  • 4. Eligibility Check
    • Age: 18–70 years for the primary cardholder; 18+ for add-on users.
    • Stable income from salary or self-employment is required.
    • Recommended credit score: 750+ (flexible on a case-by-case basis).
    • Indian residents and NRIs are eligible (NRIs need valid KYC).
  • 5. Required Documents
    • PAN Card (mandatory), Aadhaar/Passport/Driving License (ID proof).
    • Salary slips or ITR/Form 16 for income proof.
    • Address proof: Aadhaar/utility bill/ration card.
    • Recent passport-size photos and filled application form (offline).
  • 6. Approval and Processing
    • Axis Bank verifies your credit history, income, and KYC documents.
    • Application status shared via SMS/email within 2–3 weeks.
    • Use the Axis Bank website or app to track your application status.
  • 7. Tips for Easy Approval
    • Maintain a good credit score (750+ preferred).
    • Provide consistent and correct information in the form.
    • Avoid applying for multiple loans/cards simultaneously.
    • Highlight existing Axis Bank relationships like savings accounts or FDs.
  • 8. Post-Approval Steps
    • Card is dispatched within 7–10 working days to your registered address.
    • Track delivery via SMS or through Axis customer care.
  • 9. Card Activation and PIN Generation
    • Activate using the Axis Mobile App, Net Banking, or ATM.
    • Generate PIN through mobile app, ATM, or SMS services.

Eligibility Criteria for Axis Bank Neo Credit Card

  • 1. Primary Cardholder Eligibility
    • Age Requirements
      • Primary cardholder must be between 18 and 70 years of age.
      • Applicants below 18 are not eligible.
    • Income and Employment
      • Stable source of income required.
      • Salaried: Monthly income around ₹25,000 (indicative); salary slips or bank statements needed.
      • Self-Employed: ITRs or business financial statements to prove income stability.
      • Employment type: Open to salaried, self-employed, freelancers, and business owners.
    • Residency Status
      • Available to Indian residents with valid proof (Aadhaar, Passport, Utility Bill, etc.).
      • NRIs can apply with additional documents (valid passport, visa, etc.).
  • 2. Add-On Cardholder Eligibility
    • Age Requirement: Minimum 15 years.
    • Relationship: Spouse, parents, children, or siblings of the primary cardholder.
    • Documentation such as birth or marriage certificate may be required.
  • 3. Credit History and Score
    • Minimum Credit Score: 750+ preferred. 650–750 may still be considered.
    • Applicants with no credit history may face stricter checks or lower limits.
    • Credit Profile:
      • Good repayment history improves chances.
      • Low credit utilization (<30%) preferred.
      • Multiple open loans or cards may affect approval.
  • 4. Documentation Requirements
    • Proof of Identity (any one):
      • PAN Card, Aadhaar Card, Passport, Driver’s License, Voter ID
    • Proof of Address (any one):
      • Aadhaar Card, Passport, Utility Bill (Electricity/Telephone/Gas), Ration Card
    • Proof of Income:
      • Salaried: Last 2–3 months’ salary slips, bank statements showing credits
      • Self-Employed: ITR for 1–2 years, Form 16, financial statements
    • Photographs: Two recent passport-sized photos
  • 5. Additional Considerations
    • Debt-to-Income Ratio: Low DTI increases chances of approval.
    • Existing Relationship with Axis Bank: May ease approval but not mandatory.
    • Existing Cards: Axis may limit total cards to 6 per person.
    • Online Application: Must complete VKYC through Axis Bank or partners like BankBazaar.
    • Bank’s Discretion: Approval subject to internal credit policy and verification.
    • LTF Variant: Lifetime Free offer available during specific promotions—check eligibility at time of application.
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Documents Required for Axis Bank Neo Credit Card

  • Eligibility Criteria Overview:
    • Primary cardholder age: 18 to 70 years.
    • Add-on cardholder minimum age: 15 years.
    • Resident of India or NRI with stable income and good credit history.
  • Identity Proof:
    • PAN Card (mandatory); Form 60 if PAN is unavailable.
    • Masked Aadhaar Card (first 8 digits hidden).
    • Passport, Driving License, or Voter ID Card (valid and current).
    • 1 recent passport-sized color photograph may be required for offline applications.
  • Address Proof:
    • Electricity or Telephone Bill (not older than 3 months).
    • Ration Card, Passport, or Driving License with current address.
    • Bank Statement (last 2 months, stamped).
    • Voter ID Card.
    • If using a family-owned utility bill, provide relationship proof.
  • Income Proof:
    • Salaried Individuals:
      • Latest 2–3 months' payslips (stamped).
      • Form 16 (latest).
      • Latest ITR with income computation.
    • Self-Employed Individuals:
      • Latest 1–2 years' ITR with computation.
      • Audited balance sheet and profit & loss account.
      • Bank statement (last 6 months showing income).
    • Additional documents may be needed for new jobs or businesses.
  • Age Proof:
    • 10th Standard Certificate with DOB.
    • Birth Certificate (government-issued).
    • Passport, Voter ID, or Aadhaar Card (masked).
    • For students below 18: parental documents or proof of education loan/fixed deposit for add-on cards.
  • For Non-Resident Indians (NRIs):
    • Valid Passport with visa page.
    • Work Permit or Residence Visa.
    • Overseas address proof (utility bill or bank statement).
    • Indian address proof (if maintained).
    • Income proof: overseas salary slips or ITRs.
    • NRE/NRO bank statements (last 6 months).
  • Application Form & Photographs:
    • Duly filled Axis Bank Neo Credit Card Application Form (online or offline).
    • Two recent passport-sized color photos (offline only).

Factors of Axis Bank Neo Credit Card

  • Eligibility Criteria
    • Age and Residency: Applicants must be between 18 and 70 years old. Add-on cardholders must be at least 15. Both residents and NRIs are eligible.
    • Income and Credit Score: A stable income is required. A credit score of 700+ enhances approval chances.
    • Documentation: PAN/Form 60, ID proof, income proof (salary slips/IT returns), residence proof, application form, and passport-sized photos are mandatory.
  • Fees and Charges
    • Joining Fee: ₹250 + GST (waived if ₹2,500 spent within 45 days).
    • Annual Fee: ₹250 + GST from the second year (may be waived in some cases).
    • Interest Rate: APR up to 55.55% (3.75% monthly) on overdue balances.
    • Other Fees: Foreign transaction markup: 3.5%, cash advance fee: 2.5% (min ₹500).
  • EMI Facilities
    • EMI Conversion: Purchases over ₹2,500 can be converted into EMIs for 6–24 months.
    • Processing Fee: ₹150 or 1.5% of transaction (whichever is higher).
  • Rewards and Benefits
    • Online Discounts: Up to 40% on Zomato, 10% on Blinkit, and ₹150 off on Myntra with qualifying spends.
    • Utility Payments: 5% off on Paytm utility bills and 100% cashback (up to ₹300) on the first payment.
    • Dining and Entertainment: Up to 15% off at partner restaurants and 10% off on BookMyShow tickets.
    • Welcome Offers: Amazon, Zomato, Blinkit vouchers, and a 6-month PharmEasy subscription.
  • Reward Points System
    • Earning: 1 EDGE Reward Point per ₹200 spent (0.10% value).
    • Redemption: Points valid for 3 years, redeemable via EDGE portal for 500+ options.
    • Maximizing Rewards: Use on partner platforms (Zomato, Myntra, Paytm) and redeem promptly.
  • Credit Limit
    • Limit Assignment: Based on income and credit history; typically modest as an entry-level card.
    • Shared Limit: If multiple Axis cards are held, a single limit is shared across all cards.
  • Security Features
    • EMV Chip & PIN: Reduces fraud risk in online and POS transactions.
    • Zero Lost Card Liability: Applies after timely reporting of loss to Axis Bank.
  • Additional Perks
    • EMI Flexibility: Convert spends above ₹2,500 into EMIs within 60 days via app or net banking.
    • Fuel Surcharge Waiver: 1% waiver on eligible fuel spends.
    • Customer Support: 24/7 helpline and full account access via Axis Mobile and net banking.

Frequently Asked Questions (FAQs)

What is the Axis Bank Neo Credit Card?
The Neo Credit Card is a no-annual-fee, entry-level credit card from Axis Bank designed for young professionals and first-time credit card users. It offers rewards on online spends, dining, and entertainment.
What are the key features & benefits of this card?
Earn 5X Reward Points on online spends (excluding rent, wallet loads, fuel, and EMIs), 2X points on dining, food delivery, and OTT subscriptions. 1 Reward Point = ₹0.20. No joining or annual fee. Welcome bonus of 500 reward points on ₹5,000 spend within 30 days.
What is the eligibility criteria for the Axis Bank Neo Credit Card?
Applicants must be 18–70 years old. Salaried individuals should have a minimum monthly income of ₹15,000; self-employed individuals should have an annual income of ₹6 lakhs or more. A good credit score (preferably 750+) is required.
How to apply for the Neo Credit Card?
You can apply online through Axis Bank’s official website or mobile app. Required documents include PAN, Aadhaar, and income proof. Instant approval is available for eligible profiles.
What is the credit limit on this card?
The credit limit varies based on the applicant's income, credit history, and profile. Limits typically range from ₹15,000 to ₹1 lakh or more.
Is there a joining or annual fee?
No, the Axis Bank Neo Credit Card comes with zero joining fee and zero annual fee for life.
What are the available reward redemption options?
You can redeem your reward points for Flipkart/Amazon vouchers, cashback as statement credit, charitable donations, and various other gift vouchers via the Axis Bank Edge Rewards platform.
Does this card offer a fuel surcharge waiver?
No, the Neo Credit Card does not provide any fuel surcharge waiver.
What are the interest rates and late payment charges?
The interest rate is approximately 3.4% per month (~41% annually). Late payment fees can be up to ₹600 if the minimum due is not paid on time.
Does the Neo Credit Card offer airport lounge access?
No, complimentary airport lounge access is not included with this card.
Is the Neo Card suitable for me?
The Axis Bank Neo Credit Card is ideal for online shoppers, food delivery users, and beginners who want a simple, no-fee credit card with decent reward benefits. However, it lacks premium features like lounge access and fuel benefits.

List of Axis Bank Neo Credit Card Branches in Tamil Nadu

  • Tamil Nadu (Chennai - Tambaram)
  • Tamil Nadu (Chennai - Taramani)
  • Tamil Nadu (Chennai - Teynampet)
  • Tamil Nadu (Chennai - Thiruvanmiyur)
  • Tamil Nadu (Chennai - Tiruvottriyur)
  • Tamil Nadu (Chennai - Tondiarpett)
  • Tamil Nadu (Chennai - Triplicane)
  • Tamil Nadu (Chennai - Trustpuram)
  • Tamil Nadu (Chennai - Vadapalani)
  • Tamil Nadu (Chennai - Valasaravakkam)
  • Tamil Nadu (Chennai - Velachery)
  • Tamil Nadu (Chennai - Vepery)
  • Tamil Nadu (Chennai - Villivakkam)
  • Tamil Nadu (Chennai - Virugambakkam)
  • Tamil Nadu (Chennai - West Mambalam)
  • Tamil Nadu (Chennai - Zamin Pallavaram)
  • Tamil Nadu (Ambur)
  • Tamil Nadu (Arakkonam)
  • Tamil Nadu (Ariyalur)
  • Tamil Nadu (Aruppukkottai)