LifestyleEntryVisa

Axis Neo Credit Card

Flat rewards on every purchase, minimal fees

Annual fee₹250Waived on ₹0.5L spend

RewardsEarn 1 point for every ₹200 spent on the Neo Credit Card.

Forex markup3.5%3.50% of the transaction value

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Welcome benefits

worth ₹300

100% cashback up to ₹300 on first utility bill payment within first 30 days of card issuance

Type: Cashback
Trigger: within 30 days
Validity: 30 days

Rewards

Base earn rate

Earn 1 point for every ₹200 spent on the Neo Credit Card.

EDGE REWARDS

• Redemption fee: ₹99

Fees & charges

Joining fee: ₹250 Lifetime Free for select* channels
Annual / renewal fee: 1st Year: Nil 2nd Year onwards: ₹250 Lifetime Free for select* channels
Annual fee waiver: Lifetime Free for select* channels
Add-on card fee: Nil
Interest rate: 3.75% p.m. (45.00% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5% (Min. ₹500) Of The Cash Amount
Overlimit fee: 2.5% of over the limit amount (Min. ₹500)
Payment dishonour: ₹500
Forex markup: 3.50% of the transaction value
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹4000 txns, max ₹400/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹500	₹0
₹501 – ₹5,000	₹500
₹5,001 – ₹10,000	₹750
Above ₹10,001	₹1,200

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Insurance covers

Fraud liability

Stay protected with Zero Lost Card Liability. Report an Axis Bank Neo Credit Card as misplaced or stolen immediately by calling the Axis Bank customer service at 18605005555 or 18604195555. With zero lost card liability, you are protected against any fraudulent use of your card from the moment the loss is reported. *Terms and Conditions apply. For more details, refer to card member agreement clause no. 18