Axis Bank Neo Credit Card Review

Axis Bank offers several credit cards to attain the needs of different customers, Axis Bank Neo Credit Card is one of them. This card is specially made for online shoppers. It offers several benefits like Big Cash-Back, Reward points, Movie benefit, Dining benefit, lost card liability, EMI facility, and lots more. go through the article to know more about the card.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 70 yrs. 
    • Income: ₹25,000 monthly. (Approx)
  • For self-employed person:
    • Age: 18 to 70 yrs. 
    • Income: ₹25,000 monthly. (Approx) 
  • Good CIBIL score (750 or above).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip. (3 months) 
      • ITR
    • Self-employed person
      • Latest income tax return.  
      • Proof of business.
      • Recent audited financial report. 


  • Joining Fee: ₹250 + GST (Can be waived off if ₹2,500 is spent within first 45 days)
  • Annual Fee: ₹250 + GST.


  • Welcome Benefit:

With the first spend you make with your card, you will get a ₹250 gift voucher from Amazon. This offer is valid only for the first 30 days.  

  • Cash-back benefit:

You will get up to 10% discount on Akbar Travels, also you will get a flat ₹500 discount on flight bookings over ₹5000. 

This card also offers a 10% discount on Myntra. This offer is applicable on a minimum purchase of ₹500. 

Whenever you book movie tickets from BookMyShow, you will get a 10% discount on your movie tickets, you can get a maximum benefit of ₹50 in a month. 

You will get a 10% Cash-Back on mobile recharges through Freecharge, you can get a maximum Cash-Back of ₹30 in a month. 

  • Reward benefit:

You can earn 2 EDGE reward points from each ₹200 spend with your Axis Bank Neo Credit Card. You can redeem those reward points very easily against several categories available in the reward catalog.  

  • Dining Benefit:

With your Axis Bank Neo credit card, you can dine at some premium restaurants in India with a minimum 15% discount on your dining bill. This offer is applicable at some selected partner restaurants including KFC, TGI Fridays, Mohalla 80, etc.  

  • Movie benefit:

With the card issuance, you will get a movie voucher of ₹300 from BookMyShow, also you will get a 10% discount every time you book a movie ticket from BookMyShow.  

  • Shopping benefit:

You will get a shopping voucher of ₹500 from Myntra which gives you up-to ₹200 savings on your shopping, minimum bill amount should be ₹2,200. 

  • Lost card liability:

Axis Bank Neo credit card offers zero liability against lost or stolen cards from the moment of reporting, so to avail the benefit of zero lost card liability report the loss as soon as possible. 

  • EMI facility:

With this card, you can convert any purchase over ₹2,500 into EMI, through Mobile App, Net Banking, or just by calling the customer service. 

  • EMV chip card:

This card comes with a built-in EMV chip, which adds more security to your transactions, also your Axis Bank Neo credit card is 3d secured which means you will get an OTP every time to authenticate and complete your online transactions.  

  • Global acceptance:

This card is accepted almost anywhere in the world. You can use this card at any outlet or e-commerce site where Visa credit cards are accepted. 


  • Cash Withdrawal Charge: 2.5% against the withdrawal amount (min ₹500)
  • Finance Charge: 3.4% monthly & 49.36% annually. 
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:

Call: 1860-419-5555


Mail: [email protected]

Dispute Resolution Process:

If you notice some unauthorized charges in your account or some billing errors, or if your card is lost or stolen, you should act immediately you can follow the steps given below. 

  1. First of all, contact the customer service authority and describe to them your problem, and follow their instructions. In case of a lost card ask them to block your card immediately. 
  2. If you are not satisfied with the given service, you can take your complaint to the circle nodal officer. You can mail at [email protected] or you can call at +91-080-61865200. 
  3. If you do not get any response from them within 10 days, you can then take your complaint to the principal nodal officer, you can mail it at [email protected] 
  4. If you are still not satisfied at stage 3, you can contact the banking ombudsman. You can find the contact details here  

But before going to the Banking Ombudsman, try to negotiate the issue with the bank.

100xGain Ratings:


Final Opinion:

Axis Bank Neo Credit Card can be beneficial for those who shop online quite frequently, also it is best for those who want to earn Cash-Back from their purchases. It offers up to 10% discount on Myntra, BookMyShow, and Akbar Travels you will also get up to 15% discount on dining bills, 2 reward points for each ₹200 spend, and lots more. So if you are looking for a credit card for online shopping, this card will be a good option for you. 


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