Credit Card Compare

Axis Bank Neo Credit Card

Data last updated 23 October 2026
45.00%
Purchase rate
₹250
Annual fee
Not published
Interest-free
Application

CardIQ

84Strong

Strong

Overall score, out of 100 · How this works

  • Rewards84

Customer reviews

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Pros & cons

What's good

  • The ₹250 annual fee is low: it undercuts the ₹750 median.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹250, waived (Lifetime Free) for select channels. 1st year Nil for eligible; 2nd year onwards ₹250, also waived for select channels. GST applicable as per government norms. No waiver condition stated beyond 'select channels'.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Standard
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Axis Bank EDGE Miles

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Resident of India or Non-Resident Indian
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹250 p.a.
Annual fee (year 2+)
₹250 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Not published
Minimum repayment
Not stated on this page

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Top 10% (4th of 49 cards)
Annual fee₹250 a yearTop 25% (10th of 49 cards)
Overseas fee3.50%Better than most (14th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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How CardIQ scores cards
Issuer
Axis Bank