Axis Neo Credit Card Review

When it comes to powerful cashbacks at an affordable rate, there are very few credit cards available in India that can be compared with the axis bank neo credit card. This axis bank shopping credit card is specifically crafted for online shoppers. It lets you enjoy exclusive discounts and cashbacks on online shopping and food orders, exclusive deals on movie tickets, big discounts on dining expenses, and lots more. More about the axis neo credit card offers are discussed below. 

How does the axis bank neo credit card eligibility work?

  • Resident Type: Indian. 
  • Axis neo credit card eligibility criteria for salaried person:
    • Age: 18 to 70 yrs. 
    • Income: The Axis Bank credit card minimum salary requirement is Rs. 25,000 monthly. (Approx)
  • Axis bank neo credit card eligibility criteria for self-employed person:
    • Age: 18 to 70 yrs. 
    • Income: The axis bank credit card minimum salary requirement is Rs. 25,000 monthly. (Approx) 
  • A good CIBIL score (730 or above) will help you to get this axis neo credit card more easily.

As you submit your credit card axis bank neo credit card application, you will get a unique application id, you can use that to track your axis bank neo credit card application status. now if you want to know how to check axis bank credit card application status online, then make sure to visit our faq page.

What documents are required to apply for the axis bank neo credit card?

  • 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 (Income Tax Return) 
    • Self-employed person
      • Latest income tax return.  
      • Proof of business.
      • Recent audited financial report.

 As per the new rules, all new credit cards are delivered in an inactive state, and to start using them, the user needs to generate a four-digit PIN. If you want to know how to activate axis bank neo credit card for the first time then you can get some help from our axis credit card faq page.

What are the axis bank neo credit card fees?

  • Axis bank neo credit card joining fee: Rs. 250 + GST (Can be waived off if Rs. 2,500 is spent within the first 45 days)
  • Axis bank neo credit card annual fee: Rs. 250 + GST.

What are the axis neo credit card benefits

  • Start your journey with an attractive joining bonus:

With the first spend you make with your neo axis credit card , you will get an Rs.250 gift voucher from Amazon, a 3-month Zomato Pro membership, a 1mg subscription of 6 months, and a Grofers voucher worth Rs.250. These axis bank neo credit card joining benefits are available for the first 30 days. 

  • A powerful cashback program to make your every transaction rewarding:

The neo axis bank credit card offers exclusive cashback benefits, the scheme is discussed below. 

Company 

Transaction Type

Discount/Cashback

Myntra Min Rs. 500 spent on shopping  10% discount
Grofers Min. Rs.750 spent on groceries. 10% discount (up to Rs.250 per axis credit card statement cycle)*
Zomato Min order value Rs. 200 40% off on the bill amount (up to Rs.250 per order)
BookMyShow Movie Ticket Booking  10% discount (Max Rs. 100 cashback in a month)
Paytm Mobile recharge and utility bill payments. 5% Cash-Back (max Rs.150 in a month)

*Use the code AXISNEO to claim the discount, this axis neo card zomato offer is available twice per axis bank neo credit card billing cycle.

  • Get rewarded for every transaction you make:

You can earn 1 EDGE reward point for each Rs. 200 spend with your axis neo credit card . You can redeem those edge rewards very easily against several categories available in the axis credit card reward points catalogue

  • Make evenings entertaining with attractive dining offers:

With your neo credit card axis bank you can dine at some premium restaurants in India with a minimum 15% discount on your dining bill. The axis credit card dining offers are applicable at some selected partner restaurants in India.

  • Complimentary lost card liability coverage to stand for you:

The axis bank neo credit card offers zero liability against lost or stolen cards. So if your card ever gets lost or stolen, you just have to report it by calling the axis bank credit card toll free number and you will no longer be liable for anything bad that may happen to your account. You can also temporarily block your credit card account from your axis bank credit card mobile app.

  • Make repayments easier with the low-cost EMI option:

With this axisbank neo credit card , you can convert any purchase over Rs. 2,500 into small monthly installments. Make sure to check your available axis bank neo credit card credit limit before you opt for the axis bank neo credit card emi option. Click here for the axis bank credit card emi interest calculator, it will help you to calculate the applicable axis bank neo credit card emi interest rate by yourself. 

  • Security of the advanced EMV chip:

This axis bank neo credit card offers the security of the EMV chip, which uses a new generation encryption method to store your data, making your neo credit card much more secure than before. But fraudulent transactions can happen anytime, and if you notice something suspicious with your axis credit card account, you should immediately inform it by calling the axis bank credit card customer service number.

  • Global acceptance:

This Axis neo credit 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. 

What are the axis bank neo credit card charges?

Particulars 

Payable amount

Credit card cash withdrawal charges 2.5% against the withdrawal amount (min Rs. 500). Check your axis bank neo credit card cash withdrawal limit before making a withdrawal
Axis bank credit card finance charges The axis bank neo credit card interest rate can go up to 3.4% monthly & 49.36% annually
Axis bank neo credit card international transaction charges  3.50% against the transaction amount 
Axis bank neo add on credit card fee Free for a lifetime

How to contact the axis bank neo credit card customer care department?

  • Toll free number of axis bank credit card customer care: 1860-419-5555 / 1860-500-5555 or 040-67174100 
  • Axis bank credit card support mail id creditcards@axisbank.com 

100xGain Ratings:

8/10 

Pros and Cons of the axis bank neo credit card:

Pros

Cons

  • You will get some attractive deals on shopping and dining expenses.
  • This axis bank neo credit card features a huge discount on dining bills.
  • The axis bank neo credit card offers a big discount on movie ticket booking.
  • You will not get any lounge access benefits from this neo credit card of axis bank.
  • The axis bank neo credit card reward points earning rate is not that great.

Final Opinion:

After analyzing the benefits of axis bank neo credit card I can profoundly say that it is one of the best credit card for shopping online , also it is best for those who want to earn Cash-Back from their purchases. Especially if you are a frequent online shopper the neo axis bank credit card offers will definitely help you in making good monthly savings.  But if you are not satisfied with the neo axis bank credit card benefits or if you want more premium benefits then take a look at the alternative card options given below. Hopefully, it will help you to find your choice. 

Alternative cards of the axisbank neo credit card

  1. Axis bank my choice credit card (Best for cashback and dining) 
  2. ICICI bank instant platinum credit card (Best for cashback and dining) 
  3. ICICI coral american express credit card (Best for movie and dining) 
  4. Standard chartered super value titanium credit card (Best for cashback and fuel Purchase) 
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