Axis Bank Neo Credit Card
A cashback-focused card with rewards on everyday spends and utility payments.
Overview
The Axis Bank Neo Credit Card is a feature-rich cashback card from Axis Bank that rewards everyday expenses such as utility bill payments, online spends, groceries, travel, and more. It’s designed for regular spenders who want simple cashback earnings along with occasional bonus rewards. The card carries a nominal annual fee which can be waived based on annual spend.
Features & Benefits
Joining & Renewal Benefits
Bonus cashback on achieving initial spend milestones, subject to ongoing Axis Bank promotional offers.
Annual fee waiver available upon meeting eligible spend criteria in the previous year as per official terms.
Cashback & Rewards
- • 5% cashback on utility bill payments
- • 3–5% cashback on online spends & travel bookings
- • 2% cashback on groceries & dining
- • 1% cashback on other eligible spends
Cashback is credited monthly as automatic statement credit to the card account.
Lifestyle Benefits
- • Attractive cashback rates on essential spends
- • Rewards on utilities, groceries & travel
- • Simple automatic cashback structure
1% fuel surcharge waiver on transactions between ₹400–₹4,000 as per Axis Bank terms and conditions.
Approximately 3.5% forex markup fee on international transactions.
Fees & Charges
- • Balanced cashback categories
- • Annual fee waiver possible
- • Auto-credit cashback
- • Annual fee applicable
- • Cashback caps apply
- • No premium privileges like lounge access
- • Wallet loads
- • Government transactions
- • Rent transactions
- • Certain quasi-cash spends
- • Cashback subject to monthly caps
Add-ons available subject to bank approval.
- • Indian resident
- • Age 18–65 years
- • Salaried or self-employed with valid income & credit profile
Axis Bank periodically updates reward slabs, category caps, and partnerships. Always verify the latest official terms before recommending or applying.