Axis Bank Neo Credit Card: Key Highlights & Apply Online

The Axis Bank Neo Credit Card is designed to offer a variety of benefits and rewards tailored to meet your everyday needs. With this card, you can enjoy discounts on shopping, dining, and entertainment. Plus, it comes with easy EMI options and access to exclusive offers. Whether you’re buying groceries, booking tickets, or dining out, the Axis Bank Neo Credit Card makes your spending more rewarding and convenient.

In addition to the great rewards, the Axis Bank Credit Cards also provide robust security features to keep your transactions safe. You get zero liability on lost cards if reported promptly, and secure online transactions with OTP verification. 

The card is easy to manage with the Axis Bank mobile app, allowing you to track your spending, pay bills, and check your rewards points on the go. It’s a perfect choice for those looking for a simple yet rewarding credit card experience.

Axis Bank Neo Credit Card: Feed and Charges

Joining Fee:	Rs. 250 (Lifetime free for select channels)
Annual Fee (Second Year Onwards):	➡ 1st Year: Nil. ➡ 2nd Year Onwards: Rs. 250. ➡ Lifetime free for select channels.

Add-On Card Fees

Cash Payment Fee:	Rs. 100
Duplicate Statement Fee:	Waived
Card Replacement Fee:	Nil
Charge Slip Retrieval Fee:	Waived
Outstation Cheque Fee:	Waived
Mobile Alerts for Transactions:	Free
Hotlisting Charges:	Nil
Balance Enquiry Charges:	Waived
Finance Charges:	Retail Purchases & Cash: 3.6% per month (52.86% per annum)
Cash Withdrawal Fees:	2.5% (Min. Rs. 500) of the cash amount
Overdue Penalty or Late Payment Fee:	➡ Nil if total payment due is less than Rs. 500 ➡ Rs. 500 if total payment due is between Rs. 501 – Rs. 5,000 ➡ Rs. 750 if total payment due is between Rs. 5,001 – Rs. 10,000 ➡ Rs. 1,200 if total payment due is greater than Rs. 10,000
Over Limit Penalty:	2.5% of the over-limit amount (Min. Rs. 500)
Cheque Return or Dishonour Fee / Auto-Debit Reversal:	2% of the payment amount (Min. Rs. 450, Max. Rs. 1,500)
Surcharge on Purchase or Cancellation of Railway Tickets:	As prescribed by IRCTC/Indian Railways
Foreign Currency Transaction Fee:	3.50% of the transaction value
GST:	As per existing government norms
Reward Redemption Fee:	Yes
Fuel Transaction Surcharge:	1% of the transaction amount
Rent Transaction Fee:	1% capped at INR 1,500 per transaction. GST will be applicable as notified by the Government of India. Rent transactions will be identified through Merchant Category Code 6513.
Dynamic Currency Conversion Markup :	1% plus taxes for each international transaction performed in Indian currency at international locations or with merchants located in India but registered in a foreign nation

Rewards and Benefits of Axis Bank Neo Credit Card

• Zomato Food Delivery: Get 40% off on food delivery with your NEO Credit Card. Use coupon code AXISNEO. The maximum discount is ₹120 per order, with a minimum spend of ₹200. Note: Free delivery offers on certain restaurants are not eligible for this discount.
• Amazon Pay: Enjoy 5% off on utility bill payments, mobile recharges, broadband payments, and DTH recharges through Amazon Pay. The maximum discount is ₹2150 per month with a minimum transaction of ₹299. This offer can be used once a month.
• Blinkit: Get 10% off up to ₹250 on minimum spends of ₹750. Valid once per month.
• Myntra: Receive an extra ₹150 off on a minimum purchase of ₹999 on select styles.
• Book My Show: Enjoy 10% off on every movie ticket purchase with a maximum monthly benefit of ₹100.
• Dining Delights: Indulge in Axis Bank Dining Delights with up to a 15% discount at partner restaurants in India. Get 15% off up to ₹500 on a minimum order of ₹1500. Valid twice per card per month, with maximum benefits up to ₹1000. This program is available via EazyDiner on Axis Bank Credit and Debit Cards.
• Card Protection: Stay protected with zero lost card liability. Report your misplaced or stolen Axis Bank Neo Credit Card immediately by calling Axis Bank customer service at 18605005555 or 18604195555.
• EMI Conversion: Convert large credit card purchases into EMIs easily through internet banking, the mobile app, or customer service. This option is available for transactions over ₹2500 on the Neo Credit Card.
• EDGE REWARDS Points: Earn 1 EDGE REWARDS point for every ₹200 spent on the Neo Credit Card. Use points to redeem over 500 rewards and offers. Check the EDGE REWARDS Catalogue for more options.
• Mastercard Offers: Mastercard cardholders can log on to Mastercard Shop Perks for exciting cashback on popular brands.
• Activation Benefit: Get 100% cashback up to ₹300 on your first utility bill payment within the first 30 days of card issuance.
• Movie & Dining – Enjoy a 10% discount on movie tickets booked through BookMyShow and save 40% on food delivery orders placed via Zomato.
• Rewards Rate- Earn 1 EDGE REWARD point for every Rs. 200 spent with your Axis Bank Neo Credit Card.
• Reward Redemption- Redeem your EDGE REWARD points across various categories on the Edge Rewards Website, with each point valued at Re. 0.20.
• Travel- Not applicable.
• Domestic Lounge Access- Not applicable.
• International Lounge Access- Not applicable.
• Golf- Not applicable.
• Insurance Benefits- Not applicable

Axis Bank Neo Card Eligibility Criteria

To get approved for the Axis Bank Neo Credit Card, you need to meet certain eligibility criteria. These criteria typically include factors such as age, income, and credit history. Additionally, the card issuer may have some internal requirements. Here are the basic eligibility criteria for the Axis Bank Neo Credit Card:

1. Age: You should be between 18 and 70 years old.
2. Income: You must have a stable source of income.
3. Residency: You should be a resident of India or a non-resident Indian.

Documents Required

To apply for the Axis Bank Neo Credit Card, you will need to provide the following documents:

1. Identity Proof: Pan Card or Form 60.
2. Residence Proof: Aadhaar Card, utility bills, Passport, etc.
3. Income Proof: Form 16, latest salary slip, latest ITR, etc.

How to Apply for the Axis Bank Neo Credit Card Online

Applying for the Axis Bank Neo Credit Card online is a simple and straightforward process. You can do this either through the Axis Bank website or via a paperless method on BankBazaar. Here are the steps to follow:

• Visit the Axis Bank website.
• Navigate to the credit cards section and find the Neo Credit Card.
• Click on ‘Apply Now’ and fill out the application form with your details.
• Submit the required documents when prompted.
• Use the provided tracking ID to check the status of your application.

How to Maximize Rewards with the Axis Bank Neo Credit Card

• Understand the Reward Structure: To get the most out of your Axis Bank Neo Credit Card, it’s important to understand how the reward points work. You earn 1 EDGE REWARD point for every Rs. 200 spent. Keep track of the categories that offer additional rewards and focus your spending on these areas.
• Use the Card for Everyday Purchases: Make sure to use your credit card for regular expenses like groceries, dining, fuel, and online shopping. This way, you accumulate reward points on transactions you would make anyway.
• Take Advantage of Promotions: Axis Bank often runs promotions and special offers that allow you to earn bonus reward points or get extra discounts. Keep an eye on your email notifications and the bank’s website for these deals.
• Redeem Points Smartly: Once you’ve accumulated a good number of points, redeem them through the Edge Rewards website. You can choose from various options like gift vouchers, merchandise, travel bookings, and more. Plan your redemptions to get the best value for your points.
• Pay Bills Online: Use your credit card to pay utility bills and other regular payments. This not only earns you reward points but also helps in keeping track of your expenses.

Managing Your Axis Bank Neo Credit Card Account

• Online and Mobile Banking: Axis Bank provides online and mobile banking options to manage your credit card account. You can check your balance, view statements, pay your bill, and track your reward points through the Axis Bank mobile app or website.
• Set Up Alerts: Enable alerts for transaction notifications, payment due dates, and reward points updates. This helps you stay on top of your account activity and ensures you never miss a payment.
• Automate Payments: Set up automatic payments for your credit card bill to avoid late fees and interest charges. You can choose to pay the full amount or the minimum due each month automatically.
• Monitor Your Spending: Regularly check your account statements to monitor your spending. This will help you stick to your budget and identify any unauthorised transactions promptly.
• Update Personal Information: Ensure your contact details, such as your address, phone number, and email, are always up-to-date. This helps in receiving important communications from the bank.

Tips for Responsible Credit Card Usage

• Pay Your Bill in Full: Always try to pay your credit card bill in full each month to avoid interest charges. Paying only the minimum due can lead to high-interest debt over time.
• Keep Track of Due Dates: Mark your payment due dates on your calendar or set reminders. Late payments can lead to fees and negatively impact your credit score.
• Stay Within Your Credit Limit: Avoid spending more than your credit limit. Exceeding your limit can result in over-limit fees and damage your credit score.
• Use Credit Wisely: Only use your credit card for purchases you can afford to pay off. Avoid impulsive spending and keep a budget to manage your finances effectively.
• Review Statements Regularly: Regularly review your credit card statements to ensure all charges are correct. Report any discrepancies or unauthorised transactions to the bank immediately.

Comparing the Axis Bank Neo Credit Card with Other Cards

• Reward Programs: Compare the rewards program of the Axis Bank Neo Credit Card with other credit cards. Look at the earning rates, categories for bonus points, and redemption options to see which card offers the best value for your spending habits.
• Fees and Charges: Evaluate the annual fees, interest rates, and other charges associated with each card. Choose a card that offers the most benefits with the lowest costs.
• Additional Benefits: Consider other benefits like welcome bonuses, dining discounts, shopping offers, travel perks, and insurance coverage. Select a card that aligns with your lifestyle and preferences.
• Eligibility Requirements: Check the eligibility criteria for different credit cards. Some cards may have stricter requirements than others, so ensure you meet the qualifications before applying.
• Customer Service: Research the quality of customer service provided by different credit card issuers. Good customer support can make a significant difference in resolving issues and managing your account effectively.

Axis Bank Neo Credit Card Mobile App Features

• Account Management: The Axis Bank mobile app allows you to manage your Neo Credit Card account effortlessly. You can view your current balance, check available credit, review recent transactions, and access your monthly statements all in one place.
• Bill Payments: Pay your credit card bill directly through the app. You can make a one-time payment or set up automatic payments to ensure you never miss a due date. The app also lets you view upcoming payment due dates and payment history.
• Reward Points Tracking: Keep track of your EDGE REWARD points easily through the app. You can see how many points you’ve earned, review recent point transactions, and check the total points available for redemption.
• Reward Points Redemption: Redeem your reward points directly from the app. Browse the rewards catalogue, select your preferred redemption option, and complete the process in just a few taps. Options include gift vouchers, merchandise, and travel bookings.
• Security Features: Enhance the security of your credit card with the app’s advanced features. You can temporarily block or unblock your card, set transaction limits, and enable/disable international usage. Receive instant alerts for all transactions to monitor your account activity in real time.
• Offers and Promotions: Stay updated with the latest offers and promotions available on your Axis Bank Neo Credit Card. The app provides notifications about exclusive discounts, cashback offers, and special deals, helping you maximise your savings.
• Customer Support: Access customer support directly through the app. You can chat with a representative, raise service requests, and track the status of your inquiries. The app also offers a comprehensive FAQ section for quick answers to common questions.

Steps to Resolve Disputes and Report Fraud

• Identify the Issue: Carefully review your credit card statement or transaction history to identify any unauthorised transactions, billing errors, or discrepancies. Make a note of the date, amount, and merchant associated with the disputed transaction.

• Contact Customer Support: Immediately contact Axis Bank customer support to report the issue. You can do this through the Axis Bank mobile app website or by calling the customer service helpline. Provide all relevant details about the disputed transaction to the representative.

• Block Your Card if Necessary: If you suspect fraud or unauthorised use of your credit card, request the bank to block your card immediately. This prevents further unauthorised transactions. The bank will issue a replacement card promptly.

• Submit a Dispute Form: Axis Bank may require you to fill out a dispute form to formally register your complaint. This form can be accessed through the bank’s website or obtained from a branch. Provide all necessary details and attach any supporting documents, such as transaction receipts or email confirmations.

• Follow-up: After submitting your dispute, keep track of the resolution process. Axis Bank typically takes a few days to investigate and resolve disputes. You can follow up through the mobile app, website, or customer service to check the status of your complaint.

• Review the Resolution: Once the dispute is resolved, review the outcome communicated by the bank. If the transaction is found to be unauthorised or erroneous, the bank will reverse the charge and adjust your account balance accordingly.

• Prevent Future Issues: Take steps to safeguard your credit card information. Regularly monitor your account activity, set up transaction alerts, and avoid sharing your card details with unknown or untrusted sources. Use the security features available in the Axis Bank mobile app to enhance the protection of your credit card.

By following these steps, you can effectively manage and resolve any disputes or fraudulent activities related to your Axis Bank Neo Credit Card, ensuring your financial security and peace of mind.

Conclusion

The Axis Bank Neo Credit Card stands out as a versatile financial tool designed to cater to diverse spending needs while offering significant rewards and benefits. With its array of features, including discounts on dining, movies, and online shopping, cardholders can enjoy substantial savings on their everyday expenses. 

The card’s reward program adds further value by allowing users to earn points on every purchase, which can be easily redeemed for a variety of options ranging from gift vouchers to travel bookings.

Moreover, the Axis Bank Neo Credit Card prioritises customer convenience with its robust mobile app features, enabling seamless account management, bill payments, and real-time transaction alerts. The emphasis on security through features like card blocking and transaction limits ensures peace of mind against unauthorised use. 

Whether you’re a frequent shopper, dining enthusiast, or someone who values secure and efficient banking services, the Axis Bank Neo Credit Card offers a compelling choice. Its combination of practical benefits, rewarding loyalty programs, and dedicated customer support makes it a preferred option for individuals seeking both financial flexibility and tangible rewards in their everyday spending.

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