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Axis Bank · Visa · हिन्दी

Axis Bank Neo Credit Card: full review

The Axis Neo is not a rewards card. It's a discount card for digital natives. The ₹240/month savings on Zomato and Blinkit easily recover the ₹250 fee. It's best as a first card or secondary card for food delivery and dining, not for regular purchases where you want meaningful rewards.

Apply now ↗Annual fee: ₹250 + taxes
Last updated: August 2026 · Current terms verified
AXIS BANK
VISA
)))
NEO
ASHOK KUMAR
12/28
₹250 + taxes (often offered Lifetime Free via Axis salary accounts)Annual fee
1 EDGE point per ₹200 on all spends (0.1%); main value from flat discounts on Zomato, Blinkit, MyntraReward structure
NoneLounge access

Key benefits of the Axis Bank Neo Credit Card

₹120 instant off on Zomato orders above ₹499 (once/month, code AXISNEO)₹120 instant off on Blinkit orders above ₹999 (once/month)15% off at 4,000+ restaurants via Axis Dining Delights (up to ₹500/month)Up to 15% off on Myntra fashion purchases1 EDGE reward point per ₹200 on all eligible spendsAnnual fee often waived for Axis Bank salary account holders
Apply now ↗ Min. income: ₹15,000/month (salaried) · Credit score: 650+
Pros and cons
Pros
✓ Very low ₹250 fee, often issued Lifetime Free
✓ ₹240/month Zomato + Blinkit discounts deliver real tangible value
✓ 15% dining discount across 4,000+ restaurants is practical
✓ Easy approval for first-time credit users
Cons
✗ Extremely low 0.1% reward rate, do not use for accumulating points
✗ No lounge access
✗ No rewards on fuel, utilities, insurance, wallet loads
✗ Discounts limited to specific partner apps only
Quick facts
Issuer Axis Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹250 + taxes (often offered Lifetime Free via Axis salary accounts)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹250
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹15,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+
SourceAxis Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for Axis Bank Neo Credit Card is ₹250 + taxes (often offered Lifetime Free via Axis salary accounts). The joining fee is ₹250.
The main benefits of the Axis Bank Neo Credit Card are: ₹120 instant off on Zomato orders above ₹499 (once/month, code AXISNEO); ₹120 instant off on Blinkit orders above ₹999 (once/month); 15% off at 4,000+ restaurants via Axis Dining Delights (up to ₹500/month); Up to 15% off on Myntra fashion purchases; 1 EDGE reward point per ₹200 on all eligible spends; Annual fee often waived for Axis Bank salary account holders.
1 EDGE point per ₹200 on all spends (0.1%); main value from flat discounts on Zomato, Blinkit, Myntra
Axis Bank Neo Credit Card is best for Students and beginners wanting a low-cost card with everyday app discounts. The Axis Neo is not a rewards card. It's a discount card for digital natives. The ₹240/month savings on Zomato and Blinkit easily recover the ₹250 fee. It's best as a first card or secondary card for food delivery and dining, not for regular purchases where you want meaningful rewards.
The minimum income requirement for Axis Bank Neo Credit Card is ₹15,000/month (salaried). A minimum credit score of 650+ is also recommended.
Axis Bank Neo Credit Card does not offer airport lounge access.
Axis Bank Neo Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →
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Axis Bank Neo₹250 + taxes
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