
Axis Bank provides its Axis Bank Neo Credit Card, which is aimed at inexperienced users who want a good amount of experience and do not wish to pay high fees. The Axis Neo Credit Card is increasingly given as a Lifetime Free Credit Card but appeals more because of its features, especially to foodies and billpayers.
In this detailed review, we look into the Axis Neo Credit Card all that you might need to know including its benefits, fees, features, and user experience to help determine whether it is appropriate for you.
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Axis Bank Neo Credit Card Quick Info.
Feature | Details |
---|---|
Card Type | Entry-Level Credit Card |
Reward Rate | 0.2% |
Annual Fee | ₹250 + GST (Often issued as Lifetime FREE) |
Best For | Dining & Bill Payments |
Unique Selling Proposition (USP) | 40% OFF on Zomato |
Joining Fee | ₹250 + GST (Lifetime FREE at times) |
Welcome Benefit | 100% cashback up to ₹300 on first utility bill payment |
Renewal Fee | ₹250 + GST (Lifetime FREE at times) |
Additional Benefits | 5% OFF on Amazon Bill Payments, 10% OFF on Movies |
What is Axis Bank Neo Credit Card?
The Axis Bank Neo Credit Card is the first of its kind intended for the neophytes entering the market for credit cards. Low fee and especially beneficial to more common purchases, such a card is ideal for those who wish to maintain some budgetary discipline and still reap benefits. On services such as Zomato and Amazon.
Features of the Axis Neo Credit Card

Fees and Charges:
Budget at the same time remains very low and simply being an entry-level card Axis Neo Credit Card is also very low on cost making it ideal for the cost engine.
Rewards and Discounts Zomato Offer:
However, the 0.2% rewards rate, which translates to 1 RP for every 200 RP spent seems rather low because the discounts offered on a basic day-to-day utilisation are substantial for the cardholder.
Unique Benefits Lifetime Free Option:
Related read:- J.Jill Credit Card Review: Annual Fee, and Rewards
Pros and Cons of the Axis Neo Credit Card
Pros:
Cons:
Axis Neo Credit Card Market Comparison
When looking at the Axis Neo Credit Card about other popular entry-level credit cards available in India, one can say that it holds its ground since there are certain unique benefits offered that are focused on certain spending categories. That’s how it compares with some of the popular alternatives such as:
Credit Card | Rating | Joining Fee | Annual/Renewal Fee | Key Benefits | Category |
---|---|---|---|---|---|
Axis Neo Credit Card | 4/5 | ₹250 + GST | ₹250 + GST | 40% OFF on Zomato, 5% OFF on Amazon, 10% OFF on Movies | Dining, Bill Payments |
HDFC Freedom Credit Card | 4.2/5 | ₹500 | ₹500 | 5% Cashback on groceries and dining | Cashback, Everyday Use |
SBI Card Unnati | 3.8/5 | ₹0 | ₹0 | No annual fee, easy eligibility | No-Fee, Basic Use |
ICICI Platinum Chip Card | 4/5 | ₹0 | ₹0 | 2% Cashback on online shopping | Online Shopping |
What makes the Axis Neo Credit Card different is the offer of great discounts on the services that are often consumed by the customers, particularly Zomato and Amazon Pay.
Hands-on Experience with Axis Neo Credit Card
I decided to use it practically within my family due to Zomato discounts. Initially, the 40% OFF applied to a few select restaurants, making it less appealing. However, this changed in early 2024 as more restaurants within Zomato were brought under the ambit of the promotional offer resulting in food lovers jubilating for its value offering.
Also, the 5% discount on utility bill payments through Amazon Pay came quite handy in the month. The 10% off movie tickets was the icing on the cake since the family decided to go out for a bit of movie since the price of entertainment has now gone down.
All in all, the Axis Neo Credit Card has remained true to its word, especially to people who have a tendency to utilize to maximum and endurance the particular discounts offered. Nevertheless, it is important to check the availability of offers with the desired merchants before taking this step with the device.
Conclusion:
The Axis Bank Neo Credit Card is a recommendable start for people who want to own a budget credit card with focused benefits. The card has major advantages such as 40% OFF on Zomato and 5% OFF on Amazon Pay helps in controlling restaurant and household expenses.
However, the basic rewards offered do not excite the user much, but such discounts are useful for those who manage to go with the spending limits with cards offered appropriately.
FAQs:
1. Is the Axis Neo Credit Card truly lifetime-free?
Yes, the Axis Neo credit cards are mostly issued as lifetime free credit card as they waive off the joining and annual fees. Still, it is better to check the fees at the time of application.
2. How can I avail the 40% OFF on Zomato?
To get 40% OFF on the Zomato app for your orders up to 2 times a month, use the coupon code AXISNEO with a minimum order of ₹200 and a maximum discount of ₹120 per transaction.
3. What is the reward rate for the Axis Neo Credit Card?
The reward rate of the Axis Neo Credit Card is 0.2%, which means that at the rate of ₹200 spent one will get one reward point.
4. Are there any additional benefits on the Axis Neo Credit Card?
Yes, apart from the Zomato offer, you will enjoy how much limitations there are really when it comes to using Axis Neo Credit Card garnishing with 5% off when paying utility bills through Amazon Pay, and 10% off on movie ticket purchases.
5. Can I use the Axis Neo Credit Card for any other discounts?
Yes you may also avail 10% discount on Myntra, Blinkit, Book My Show which are also subject to limits and minimum purchase values.