Axis Bank Neo Credit Card
Axis Bank
Annual / renewal fee
₹250.
VerifiedKey Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit Cards14 Aug 2026, 10:18 PM ISTAxis Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at axis.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at axis.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Neo Credit Card by Axis Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹250.
VerifiedKey Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit Cards14 Aug 2026, 10:18 PM ISTAxis Bank
Annual / renewal fee
₹250.
VerifiedKey Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit Cards14 Aug 2026, 10:18 PM ISTAxis Bank
Fee waiver
There is no spend-based annual fee waiver listed for the NEO Credit Card in the Key Fact Sheet (annual fee waiver column shows no threshold for NEO).
VerifiedKey Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit Cards3 Aug 2026, 6:25 PM ISTAxis Bank
Renewal fee
₹250 (2nd year onwards).
VerifiedNeo Credit Card (fleet document) — governing document (side-door search)14 Aug 2026, 10:18 PM ISTAxis Bank
Rewards
Redemption value
- The Bank reserves the right to forfeit unredeemed EDGE REWARD Points / EDGE Miles 30 days post credit card closure, or if the minimum amount due is outstanding for more than 90 days (effective 1st October 2025).
- Cardholders are encouraged to redeem EDGE REWARD Points / EDGE Miles within 30 days of card closure.
VerifiedNeo Credit Card – Terms & Conditions (Revision Notice)14 Aug 2026, 10:18 PM ISTAxis Bank
Reward exclusion
VerifiedNeo Credit Card – Terms & Conditions (Revision Notice)14 Aug 2026, 10:18 PM ISTAxis Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Travel benefit
- Cleartrip (code CTAXISNEO): 7% off up to ₹2,000 on domestic and international flight bookings with no minimum value.
- 18% off up to ₹4,000 on hotel bookings with a minimum value of ₹4,000.
- Both benefits valid once per user per month.
- Offer applicable from 11-05-2026 till 30-11-2027.
VerifiedNeo Credit Card product page14 Aug 2026, 10:18 PM ISTAxis Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
100% instant cashback up to ₹300 on first utility bill payment within 30 days of card issuance (one-time only; eligible utility MCCs 4814, 4812, 4899, 4900; only first utility transaction within 30 days is eligible; cashback processed within 5 days of eligible transaction).
Verifiedharvested from product page14 Aug 2026, 10:18 PM ISTAxis Bank
Dining benefit
- Flat ₹120 off on Zomato, minimum order value of ₹499 (excludes GST, restaurant charges and Delivery Fee), applicable twice per month using coupon code AXISNEO (effective 1st July 2025).
- Can be clubbed with Restaurant coupons.
- Not eligible if payment is made via UPI-linked NEO RuPay Credit Card.
VerifiedNeo Credit Card – Terms & Conditions (Revision Notice)14 Aug 2026, 10:18 PM ISTAxis Bank
Statement credit
- 5% off on utility bill payments (Mobile Recharge/Broadband Payment/DTH Recharge) via Paytm using code AXISNEO.
- Minimum transaction value ₹299.
- Maximum discount ₹150 per card per month.
- Valid once per card per month.
- Not eligible if payment is made via UPI using Neo RuPay Credit Card.
VerifiedNeo Credit Card product page14 Aug 2026, 10:18 PM ISTAxis Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- Foreign Transaction Fee: 3.5% of Transaction Amount (all other credit cards, which includes NEO).
- Dynamic Currency Conversion markup: 1.5% of Transaction Amount.
VerifiedKey Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit Cards14 Aug 2026, 10:18 PM ISTAxis Bank
Charge
- Interest Rate: 55.55% p.a. (3.75% per month).
- Cash Withdrawal Fee: 2.5% of cash amount (Min ₹500).
- Cash Withdrawal Limit: 30% of Credit Limit.
- Late Payment Fee: Nil (<₹500).
- ₹500 (₹501-5000).
- ₹750 (₹5001-10,000).
- ₹1,200 (>₹10,000).
- Plus additional ₹100 on missing MAD payment for two consecutive cycles.
- Over-limit Fee: 2.5% of over-limit amount (Min ₹500).
- Cash Payment at Branches: ₹175.
- Cheque Return/Dishonour or Auto Debit Reversal: 2% of payment amount (min ₹500).
- Rent Transaction fee: 1% of each rental transaction amount.
- Education Transaction Fee: 1% on education payments via third party apps.
- Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle.
- Fuel Transaction Fee: 1% on cumulative spends of ₹50,000 or more per statement cycle.
- Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more per statement cycle.
- Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle.
- Fuel Transaction Surcharge: 1% of transaction amount (refund not applicable on NEO).
- All charges exclusive of GST.
VerifiedKey Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit Cards14 Aug 2026, 10:18 PM ISTAxis Bank
Fuel surcharge waiver
No fuel surcharge refund on NEO Credit Card (Fuel Transaction Surcharge is 1% of transaction amount; refund is explicitly not applicable on NEO Credit Card).
VerifiedKey Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit Cards14 Aug 2026, 10:18 PM ISTAxis Bank
Interest-free period
Interest-free grace period ranging from 20 to 50 days, depending on the date of transaction.
VerifiedKey Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit Cards14 Aug 2026, 10:18 PM ISTAxis Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Neo Credit Card?
Officially traced: Rs. 250.
Key Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit CardsWhat is the joining fee on the Neo Credit Card?
Officially traced: Rs. 250.
Key Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit CardsIs the Neo Credit Card annual fee ever waived?
There is no spend-based annual fee waiver listed for the NEO Credit Card in the Key Fact Sheet (annual fee waiver column shows no threshold for NEO).
Key Fact Statement (KFS / Schedule of Charges) – Axis Bank Credit CardsWhat welcome benefit does the Neo Credit Card offer?
100% instant cashback up to Rs. 300 on first utility bill payment within 30 days of card issuance (one-time only.
harvested from product pageWhat are the transfer ratios for Neo Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.axis.bank.in/cards/credit-card/axis-bank-neo-credit-card.
VerifiedNeo Credit Card product page14 Aug 2026, 10:18 PM ISTAxis Bank
Verified 2026-08-14 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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