Axis Bank Credit Card
The Neo credit card was launched by Axis Bank for the people who make most of their purchases online.
By holding this card, you can avail several offers, cashback benefits, and reward points from leading online shopping portals such as Amazon, Flipkart, Myntra, Bookmyshow, etc.
Key Highlights of the Axis Bank Neo Credit Card
The card offers a wide range of offers, benefits and privileges. With this credit card, you get benefits such as
- Welcome offers from Amazon, cashback offers, gift vouchers and entertainment offers.
- EMI facility offered which includes no-cost EMIs on selected products.
- Lost card liability insurance is given.
- The card offers a range of lifestyle benefits across various categories such as dining, movies and shopping.
Benefits And Features Of The Axis Bank Neo Credit Card
Other Axis Bank Credit Cards
- Axis Bank ACE Credit Card
- Axis Bank Privilege Credit Card with Unlimited Travel Benefits
- Axis Bank Reserve Credit Card
- Axis Bank FreeCharge Credit Card
- IndianOil Axis Bank Credit Card
- Axis Bank Magnus Credit Card
- Axis Bank Flipkart Credit Card
- Axis Bank My Zone Credit Card
- Axis Bank Vistara Credit Card
- Axis Bank Vistara Signature Credit Card
- Axis Bank Vistara Infinite Credit Card
- Axis Bank Miles and More Credit Card
- Axis Bank Select Credit Card
- Axis Bank Pride Platinum Credit Card
- Axis Bank Pride Signature Credit Card
- Axis Bank MY Zone Easy Credit Card
- Axis Bank Insta Easy Credit Card
- Axis Bank Signature Credit card with Lifestyle Benefits
- Axis Bank AURA Credit Card
- Axis Bank Freecharge Plus Credit Card
- Axis Bank Signature Credit Card with Travel Benefits
- Axis Bank Rupifi Business Credit Card
- Axis Bank Platinum Credit Card
- Axis Bank Titanium Smart Traveler Credit Card
- Axis Bank My Wings Credit Card
- Axis Bank Kisan Credit Card
Lifestyle benefits on the Axis Bank Neo Credit Card
- Avail attractive dining benefits at partner restaurants in India under the Axis Bank Dining Delights program.
- The Neo Credit Card also gives you movie vouchers.
Rewards Program:
- Earn 2 rewards points for every Rs.200 spent using the Axis Bank Neo credit card under the eDGE Loyalty Program.
- The rewards points can be redeemed from an exclusive catalogue on the Axis Bank website.
Secure Transactions:
- The credit card comes with an embedded EMV chip, to make your online transactions more secure.
Lost Card Liability:
- Axis Bank offers zero lost card liability insurance to Neo credit cardholders.
- If lost, you must report it to the customer care service and all transactions on the card will be protected after that.
EMI Facility:
- Convert your high-value purchases into equated monthly instalments.
- Tenures range from 6 months to 24 months.
- Any purchase amounting to Rs.2,500 or higher can be converted into monthly instalments.
Dining Privileges:
- You can enjoy up to 15% off on dining bills at partner restaurants located across India.
Axis Bank Neo Credit Card Limit
The limit for the axis bank Neo card is given at the discretion of the bank. The credit limit offered to the cardholder is based on a number of factors which include the credit history, credit report, your credit score along with your past and ongoing debts.
Latest Offers by Axis Bank Neo Credit Card
Shopping Offers
- Shopping on Myntra.com brings you a 10% discount on a minimum purchase of Rs.500.
- Get a discount of up to 20% on purchases above Rs.1,000 made at BigBasket.
- Avail EMI options on a wide range of products made from Croma, Reliance Digital and Snapdeal.
- Enjoy up to 100% cashback on mobile recharge transactions made on the Freecharge app or website.
- On Myntra.com, get a 10% discount on purchases amounting to a minimum of Rs.500.
Movie Offers:
- Movie ticket bookings on BookMyShow gives you a discount of 10%, with monthly benefits up to Rs.50.
Travel Offers:
- Opt for easy EMI payments for your travel bookings made on Yatra and Goibibo.
- Avail a discount of up to Rs.800 on your first domestic and international flight booking made on EaseMyTrip.
How To Redeem Reward Points Earned On Axis Bank Neo Credit Card?
The points you earn from your Neo credit card has a validity of 3 years after which it will automatically expire. It is advised to keep a regular check on the reward points earned in order to redeem it.
Here are the steps to follow to redeem your reward points:
- Log in to your net banking.
- Select ‘Account Summary’.
- Click on the ‘Axis eDGE Rewards’ option.
- Check the box to accept the terms and conditions and then click on ‘Redeem Now’ to view your rewards.
- From the drop-down menu, choose the reward category and add them.
- Once done, click on confirm and the points will be redeemed.
Fees and Charges On The Axis Bank Neo Credit Card
| Type of Charge | Amount |
|---|---|
| Joining Fees | Rs.250 (Waived off if Rs.2,500 spent in 45 days) |
| Annual Fees | Rs.250 |
| Add-on card fee | Nil |
| Cash withdrawal fees | 2.5% of the transaction amount; minimum of Rs.250. |
| Duplicate statement fee | Waived |
| Cash payment fee at the branch | Rs.100 |
| Card replacement fee | Waived |
| Late payment fee | If the total due amount is: Below than Rs.100 – Nil From Rs.101 to Rs.300 – Rs.100 From Rs.301 to Rs.1,000 – Rs.300 From Rs.1,001 to Rs.5,000 – Rs.500 From Rs.5,001 to Rs.20,000 – Rs.600 Above Rs.20,000 – Rs.700 |
| Penalty on over-limit | 3% of the over-limit amount (Minimum of Rs.500) |
| Foreign currency transaction fee | 3.50% of the transaction amount |
| Interest on cash advances | 3.50% per month |
| Balance inquiry fee | Waived |
| Outstation cheque fee | Waived |
| Cheque return fee | Rs.300 |
| Hotlisting fee | Nil |
Eligibility for the Neo Credit Card
To apply for the Neo Credit Card, these following eligibility criteria need to be met:
- Primary cardholder should be 18 to 70 years of age.
- Add-on cardholder should be over 15 years.
- The applicant can be a resident or non-resident of India.
*The bank has the right to change the eligibility criteria for credit cards from time to time without any prior notice.
Documents for Applying For The Neo Credit Card From Axis Bank
- Filled credit card application form.
- A copy of PAN card or Form 60.
- Identity proof – PAN, driving licence, Aadhaar Card, etc.
- Income proof – latest pay slips, Form 16, IT return copy, etc.
- Residence proof – Passport, Ration Card, electricity bill, Aadhaar, etc.
- Passport size colour photographs of the applicant.
*The list of documents mentioned above is indicative and additional documents might be asked for when you apply for the Neo credit card.
How to Apply for the Axis Bank Neo Credit Card Online?
You can apply for the Neo credit card online through the Axis Bank website.
The card can also be applied for in a completely paperless way through BankBazaar. Here are the steps which need to be followed:
- Check your eligibility for the card by clicking ‘Check Eligibility’.
- Submit the information that you are asked for.
- Next, upload the documents when you are prompted to do so.
- Use the tracking ID on the ‘Track Application’ process and get the application status.
FAQs on Axis Bank Neo Credit Card
- What are the different modes of paying the dues on my Axis Bank Neo Credit Card?
The offline payment methods include cheque, cash, draft, and ATM payments. The online methods include the auto-debit option, NEFT transactions, net banking, mobile banking, bill desk, Visa Money Transfer facility, etc. - What are the extra charges associated with the Axis Bank Neo Credit Card?
The entire list of charges associated with the Neo Credit Card has been mentioned here under the fees and charges section. You can refer to the table above for more information. - Does Axis Bank offer a credit-free period for Axis Bank Neo Card customers?
Yes, the interest-free period offered can vary from 20 to 50 days based on the transaction date - How would I report the loss of my Axis Bank Neo Card?
Contact the credit card customer care of Axis Bank by dialling 18605005555 or 18604195555 to report the loss of the card. - Can I get duplicate monthly statements from Axis Bank for my Neo Credit Card?
Yes, duplicate monthly statements will be issued by Axis Bank only if you make the request for the same to the bank, provided all the outstanding monthly dues are paid. - How many days it would take for me to get my credit card after applying for it?
The bank may take up to two to three weeks to send the credit card to your communication address. - I am not a resident of India. Can I apply for this credit card?
If you are a non-resident Indian (NRI), then you can surely apply for this credit card provided you have all the correct KYC documents for the application for the credit card to be successful. - I have applied for a new Neo Credit Card. How can I check its status?
You can check the status of your new Neo Credit Card by either calling the customer care number and quoting your application or reference number or by simply logging in to your net banking portal where you will find the option to view the status of your credit card application. - How can I view my e-Statement?
You can view your e-Statement by simply logging in to the net banking portal where you will find the ‘Credit Card’ section. Simply select the Neo Credit Card for which you wish to check the statement. Click on ‘View Statement’ and select the period for which you wish to check the list of transactions.
You can also authorise the bank to send you e-statement at the end of the month to your registered email ID as well. - I am below the age of 18 years and wish to apply for a Neo Credit Card. What are the documents should I produce?
If you are below the age of 18 years and wish to apply for a Neo Credit Card, then you will require your parents to apply on your behalf. The parent will be given the credit card while you will be provided with an add-on card. Your parents will have to submit the necessary KYC documents for the application for Neo Credit Card to go through.
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