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Axis Neo Credit Card: Benefits, Features, Apply Online
Table of Contents
The Axis Neo Credit Card is at the forefront of entry-level Axis credit card options in India and is particularly tailored for the online shopper, cine-goer, and the average consumer. Given the great rewards and several partner discounts, along with the overall lifestyle benefits, the card is sensibly priced at an exceptionally low annual fee.
Obtaining accelerated reward points is made possible, and valuable discounts accompanied by great movie benefits from BookMyShow are easily accessible on popular platforms like Amazon, Zomato, Myntra, and Swiggy. Thus, for affordable credit cards, the Axis Neo Credit Card is exceptional.
The rest of this document will contain the complete features, benefits and charges, eligibility, Axis Credit Card and the instructions on applying online.
Axis Neo Credit Card Features
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Entry-level card with solid online shopping benefits.
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Best for Shopping | Movies | Food delivery.
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Flat 10% off on popular brands like Myntra, Blinkit & Zomato.
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BookMyShow has movie offers.
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1% fuel surcharge waiver
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EDGE Reward Point on every spend, earn.
Axis Neo Credit Card Benefits
Shopping Benefits
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10% instant discount on Myntra using Axis Neo Credit Card (Valid 4 times in 1 month).
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10% discount deals on food orders from Blinkit and Zomato.
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Deals on partner sites make shopping online even more lucrative.
Movie Benefits
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Get 1 movie ticket free (up to ₹200) on BookMyShow each month.
Rewards Rate
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Earn EDGE Reward Points on each ₹100 spent.
Reward points can be redeemed for:
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Cash coupons.
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Virtual shopping.
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Fashion & other merchandise.
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Travel essentials.
Dining Benefits
Offers available on specially partnered restaurants under the Axis Bank Dining Delights Programme.
Fuel Surcharge Waiver
1% surcharge waived at any fuel pump (₹400 - ₹4,000).
Welcome Benefits
Free gift tokens from ₹250 to ₹500 on the first transaction (seasonal offer).
Travel & Lifestyle
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Axis EDGE Rewards partner.
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Special discount on periodic sales for festivals and seasons.
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Exclusive offers on lodging for campaigns sponsored by partners.
With great Axis Neo Credit Card benefits, it stands as the best card for routine digital payments.
Axis Neo Credit Card Apply Online
Click to apply online for Axis Neo Credit Card.
Axis Neo Credit Card Eligibility
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Must be an Indian Resident.
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Minimum Age: 18 Years.
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Must be self-employed or have a stable job.
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Good credit score (ideally 700+).
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Good repayment records.
Axis Neo Credit Card Age Limit
Minimum Age: 18 Years
Maximum Age: 70 Years
Axis Neo Credit Card Charges
Joining Fee: ₹250
Annual Fee: ₹250 (after which it can be waived to zero, by spending at least 2,500 in 45 days)
Financing Charges: 3.6% monthly (43.2% yearly)
Late payment fees: between ₹100 - ₹1,300, based on total outstanding
Foreign currency markup fee: 3.50%
Cash Advance Fee: 2.5% (minimum ₹500)
Axis Neo Credit Card Pros
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Very low joining fee.
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Good discounts on online shopping.
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Movie benefits via BookMyShow.
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Zomato discounts (useful for food lovers).
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Waiver on Fuel surcharge.Earn reward points on every transaction.
Axis Neo Credit Card Cons
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Lounge access is not provided for free.
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Very high foreign exchange markup fees (not good for international spending).
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Basic reward system for spending.
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Other than that, not much in terms of travel insurance or premium travel perks.
Conclusion
The Axis Neo Credit Card is an extraordinary entry-level credit card for shopping among other cards that Axis Bank offers. This card comes at an affordable price, providing a flat 10% discount at Myntra, Zomato, Blinkit, and monthly movie benefits, and useful reward points along with a fuel surcharge waiver.
If you shop online, eat out, or go to the cinema, the benefits and features of the Axis Neo Credit Card will be helpful and make your life easier. With its low yearly fee, it's the ideal option for first-timers, newbies to the world of credit, or anyone seeking a simple card with countless benefits. If you are seeking a cost-effective, benefit-rich credit card to be used daily, the Axis Credit Card suits you well.
DISCLAIMER: This blog is NOT any buy or sell recommendation. No investment or trading advice is given. The content is purely for educational and information purposes only. Always consult your eligible financial advisor for investment-related decisions.
Author
Frequently Asked Questions
Yes, the Axis Neo Credit Card is one of the best entry-level credit cards in India. It comes with a low annual fee, 10% discounts on Myntra, Zomato, Blinkit, and monthly BookMyShow movie offers—making it perfect for first-time credit card users.
Axis Bank does not publicly state an exact salary amount, but most applicants with a stable income of ₹15,000–₹20,000 per month and a credit score of 700+ usually get approved easily.
No, the Axis Neo Credit Card does not provide free airport lounge access. It is mainly designed for online shopping, dining, and movie benefits.
You can apply directly through the Axis Bank website, the Axis mobile app, or trusted partners like Finowings or credit card marketplaces. The process is fully online—upload your KYC documents and complete verification digitally.
Yes. The annual fee of ₹250 is waived if you spend ₹2,500 within the first 45 days of card issuance. This makes the card almost free for most users.
