Check out the complete review of Axis Bank Neo Credit Card. Enjoy lifetime free benefits, 40% off on Zomato, 10% cashback on Blinkit & Myntra, bill payment rewards, dining offers, and more.
Axis Bank Neo Credit Card Review – Benefits, Fees & Eligibility
The Axis Bank Neo Credit Card is one of the most popular entry-level cards from Axis Bank. What makes it stand out is that the card is currently offered as lifetime free, meaning no joining fee or annual charges (limited-time offer). Along with this, users get a wide range of cashback, dining, entertainment, and shopping benefits.
In this detailed review, let’s explore all the features, charges, and eligibility criteria of the Axis Neo Credit Card.
Fees and Charges
- Joining Fee: ₹250 (waived under lifetime free offer)
- Annual Fee: ₹250 per year (waived if taken during the free offer period)
- Cash Advance Fee: 2.5% of withdrawal amount or ₹500 (whichever is higher)
- Interest Rate: 3.75% per month on outstanding balance
- Forex Markup Fee: 3.5% of the transaction value
Currently, this card is available lifetime free if you apply within the offer period.
Key Benefits of Axis Bank Neo Credit Card
1. Activation Benefit
- 100% cashback on utility bill payments within the first 30 days of card issuance.
- Maximum cashback: ₹300.
2. Zomato Offer – 40% Off
- 40% discount on Zomato food orders above ₹200.
- Maximum discount: ₹120 per order, valid twice per month (₹240/month).
- Annual savings up to ₹2,880.
3. Power of 10 Benefits
- 10% cashback on Blinkit (min spend ₹750, max benefit ₹250).
- 10% off on Myntra purchases (min spend ₹999, max ₹150).
- 10% off on BookMyShow movie tickets (max benefit ₹100).
4. 5% Cashback on Utility Bills
- 5% cashback on mobile recharge, broadband, and DTH bill payments.
- Minimum spend: ₹299, maximum cashback: ₹150 per month.
5. Dining Delights
- Up to 15% discount at partner restaurants across India via Axis Bank Dining Delights program.
6. EMI Option
- Convert purchases above ₹2,500 into easy EMIs.
7. Wednesday Delights
Exclusive mid-week deals including:
- Up to 15% off on flight & hotel bookings (via MakeMyTrip & Yatra).
- 10% off on Swiggy, Amazon Fresh, and Tata Neu (up to ₹1,000).
8. Security & Tap-to-Pay
- Zero liability on lost/stolen card once reported.
- Tap & Pay feature for faster and safer transactions.
Eligibility Criteria
- Age: 18 – 70 years
- Must have a PAN card
- Valid identity proof and residence proof
- Stable monthly income required
The requirements are simple, making it easy for first-time credit card users to get approved.
Final Verdict
The Axis Bank Neo Credit Card is one of the best lifetime free credit cards in India (2025) for beginners and budget-conscious users. With strong benefits like 40% off on Zomato, 10% cashback on Blinkit & Myntra, 5% utility cashback, and dining offers, it provides great value with no annual cost.
👉 If you’re looking for a lifetime free card with maximum discounts on food, shopping, and bills, the Axis Bank Neo Credit Card is a smart choice.
✅ Apply now to grab the lifetime free offer before it ends.