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Last updated: 01-06-2026
Axis Bank Neo Credit Card
Axis Bank

Axis Bank Neo Credit Card

"Axis Bank's best entry lifetime free card โ€” flat 2% cashback on Axis Bank app payments and 1% on all other spends, no annual fee ever"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
Entry-level card seekers who want a no-fee card with straightforward cashback; those who want to build credit history with zero cost; Axis Bank savings account holders
๐ŸŽ Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.20 for vouchers; redeemable via EDGE REWARDS portal)
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on Axis Bank website
๐Ÿ’ฐ Reward Rate
5 EDGE RPs per โ‚น200 on Axis Bank app transactions including bill payments and recharges; 2 EDGE RPs per โ‚น200 on all other eligible retail spends; excludes fuel, EMI, wallet loads, rent, government; RPs valid 2 years
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
โญ Rate this Card
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โœ… Pros
  • Completely lifetime free โ€” zero cost forever
  • Higher rewards on Axis Bank app transactions
  • Accessible eligibility for first-time applicants
  • Fuel surcharge waiver
  • Good credit-building card
โŒ Cons
  • Very low base reward rate (0.2% effective)
  • No airport lounge access
  • High forex markup 3.5%
  • No dining, movie or travel benefits
  • Strictly starter card โ€” upgrade recommended after building credit history

๐ŸŽ Rewards & Benefits

Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.20 for vouchers; redeemable via EDGE REWARDS portal)
Welcome Benefits
Check current welcome offer on Axis Bank website
Reward Rate
5 EDGE RPs per โ‚น200 on Axis Bank app transactions including bill payments and recharges; 2 EDGE RPs per โ‚น200 on all other eligible retail spends; excludes fuel, EMI, wallet loads, rent, government; RPs valid 2 years
Reward Redemption
EDGE REWARDS portal: vouchers (1 RP = โ‚น0.20), merchandise, travel
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
No specific milestone benefits
Other Benefits
Flat cashback-style rewards via EDGE Reward Points; fuel surcharge waiver; contactless payments; Smart EMI on transactions above โ‚น2,500; Axis Bank Grab Deals and partner offers; digital-first card management via Axis Mobile app

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
2.5X EDGE RPs on Axis Bank app transactions; fuel surcharge waiver; completely lifetime free

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Axis Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Low base reward rate 0.2% effective; no lounge access; high forex markup 3.5%; strictly entry-level card โ€” upgrade to Flipkart or MY Zone for better benefits

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18+ years; Indian resident; salaried or self-employed; minimum monthly income โ‚น15,000; Axis Bank account holders preferred
Credit Score Requirement
650+ CIBIL โ€” very accessible for first-time applicants
Credit Limit
Based on income and Axis Bank assessment; typically โ‚น15,000 to โ‚น1 lakh

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Axis Mobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-419-5555 (24x7)
Chat / Email Support
Chat via Axis Mobile app
Mobile App
Axis Mobile app: manage card, track EDGE RPs, pay bills
Online Banking
Axis Bank NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:32 PM
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