Card Details
Neo Credit Card
Monzy Score
7.5/ 10
Very good for online shoppers.
Lifetime free, so no fee to earn back; strong ~10% back in its core category; thin rewards outside its core category.
Card Issuer
Axis Bank
Joining Fee
Zero
Annual Fee
₹250
Reward Type
—
Card Access
Standard
Changes to this card
Offers from Axis Bank
See all8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026
Instant discount up to ₹15,000 at Apple
Electronics Deals · till 30 Sep 2026
Flat 25% discount up to ₹7,500 on Yatra
Travel Deals · till 30 Sep 2026
Earn up to 20%* rewards on your international spends on Visa
Bonus & Reward Offers · till 30 Sep 2026
Earn Points
5%
On Utility Bills via Paytm (max ₹150/Mo)
10%
On Blinkit (max ₹250/Mo)
10%
On Bookmyshow (max ₹100/Mo)
1pt
/₹200 on All Other Spends
Benefits
10% Off Myntra
Zero Liability for Fraudulent Txns
Link With Upi Apps
Lifetime Free—no Annual Fee
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, utilities, insurance, emi, wallet, rent, government, education
Estimated Returns
All eligible spends (EDGE Rewards)
1/200 ~0.1%; real value = partner discounts not modelled
₹30
Total Annual Return
₹360
0.1% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“Experience with axis neo cc.”
by r/CreditCardsIndia, Jul 2025
“Is the Axis Neo Rupay Card good? What are the benefits of”
by r/CreditCardsIndia, Jul 2025
“Axis Bank Neo, Take it or Leave it?”
by r/CreditCardsIndia, Jul 2026
“Should I activate Axis Neo CC?”
by r/CreditCardsIndia, Jul 2025
“Things to keep in mind closing Axis Bank Neo credit card”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The Neo Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because Axis Bank prices some variants differently.
RECENT CHANGES
Terms were revised recently — verify current fee, reward and exclusion terms before you apply.
Things to Keep in Mind
The Zomato offer is valid up to twice per card per month.
The Zomato offer requires a minimum order value of INR 499 (effective 1st July 2025).
