Save on shopping and dining with the Axis Bank Neo Credit Card. To get started, pay a joining fee of ₹250, which also covers your first-year fee. This fee is waived if you spend ₹2,500 within 45 days of approval. From the second year onwards, the annual fee is ₹250. Overdue amounts carry an interest rate of 46.78% per annum.

Axis Bank Neo Credit Card Highlights

• Welcome Offers: Avail gift vouchers, Amazon deals, cashback, and entertainment perks.
• EMI Facility: Enjoy no-cost EMIs on specific products.
• Lost Card Liability Insurance: Safeguard against unauthorized usage if your card is misplaced.
• Lifestyle Benefits: Get discounts on dining, movies, and shopping.

Features and Benefits

• Dining Benefits: Enjoy enticing discounts at partner restaurants across India under the Dining Delights program.
• Movie Vouchers: Access movie and entertainment vouchers.
• Rewards Program: Earn 2 reward points per ₹200 spent in the eDGE Loyalty Program, redeemable on the Axis Bank site.
• Secure Transactions: Transactions are secured with an EMV chip.
• Lost Card Liability: Zero lost card liability; report lost cards to customer care immediately.
• EMI Facility: Convert purchases over ₹2,500 into EMIs with tenures from 6-24 months.

Card Limit

The credit limit of the Axis Bank Neo Credit Card is based on your credit history, score, report, and existing debts.

Latest Offers

• Shopping:
• 10% off on Myntra for orders over ₹500.
• Up to 20% off on BigBasket for orders above ₹1,000.
• EMI options on Croma, Reliance Digital, and Snapdeal.
• Up to 100% cashback on mobile recharges via Freecharge.
• Movies: Get a 10% discount on BookMyShow movie tickets with benefits up to ₹50 monthly.
• Travel: Use EMI for travel bookings on Yatra and Goibibo; up to ₹800 off on first flight bookings via EaseMyTrip.

Redeeming Reward Points

1. Log in to your net banking account.
2. Select 'Account Summary'.
3. Click 'Axis eDGE Rewards'.
4. Agree to terms and click 'Redeem Now'.
5. Select a reward category from the menu.
6. Confirm and redeem your points.

Fees and Charges

• Joining Fee: ₹250 (waived on ₹2,500 spend in 45 days).
• Annual Fee: ₹250.
• Cash Withdrawal Fee: 2.5% of the transaction (minimum ₹250).
• Late Payment Fee:
• Below ₹100: Nil
• ₹101 - ₹300: ₹100
• ₹301 - ₹1,000: ₹300
• ₹1,001 - ₹5,000: ₹500
• ₹5,001 - ₹20,000: ₹600
• Above ₹20,000: ₹700
• Foreign Currency Transaction Fee: 3.50%
• Interest on Cash Advances: 3.50% per month
• Over-limit Penalty: 3% of the over-limit amount (minimum ₹500)

Eligibility Criteria

• Primary cardholder: 18-70 years old.
• Add-on cardholder: Over 15 years old.
• Applicable for both residents and non-residents of India.

Required Documents

• Completed credit card application form.
• Copy of PAN card or Form 60.
• Identity proof: PAN, Aadhaar, driving license, etc.
• Income proof: Latest pay slips, Form 16, IT return copy, etc.
• Residence proof: Passport, Ration Card, electricity bill, Aadhaar, etc.
• Passport size color photographs.

How to Apply for the Axis Bank Neo Credit Card Online

Apply online via the Axis Bank website or through BankBazaar.

Steps to Apply Online:

1. Click 'Check Eligibility'.
2. Submit required information.
3. Upload necessary documents.
4. Use your tracking ID to monitor application status via 'Track Application'.