Axis Bank Neo Credit Card — Axis Bank Lifetime free credit card

Axis Bank

Axis Bank Neo Credit Card

Lifetime free
Annual fee₹0

Verified 9 Sep 2026

Fees & charges

Joining fee₹0 for select application channels (currently); ₹250 otherwise
Annual / renewal fee₹0 in year 1 regardless of channel; from year 2, ₹0 for select channels (currently) or ₹250 otherwise

Why this card

  • 100% cashback up to ₹300 as a welcome benefit, on your first utility bill payment within 30 days of card issuance
  • Flat ₹120 off on Zomato using code AXISNEO, on ₹499+ orders, twice a month
  • 10% off on Blinkit, up to ₹250 off, on ₹750+ orders, once a month
  • 5% off on mobile recharge, broadband and DTH bill payments via Paytm
  • Flat 7% off (up to ₹2,000) on Cleartrip flight bookings and flat 18% off (up to ₹4,000) on Cleartrip hotel bookings, once each a month
  • EDGE Reward Points on other spends, redeemable across 500+ rewards and offers
  • Zero Lost Card Liability once reported stolen or misplaced

Card servicing

  • Credit limit increase
  • Instant loan on credit card
  • Credit card against fixed deposit
  • Grab Deals (merchant offers)
  • Convert purchases into EMIs
  • Credit Card Control Center (spend limits, channel controls)

More from Axis Bank

Flipkart Axis — Axis Bank Cashback credit card

Flipkart Axis

Cashback
  • 7.5% cashback on Myntra, capped at ₹4,000 per statement quarter
  • 5% on Flipkart & Cleartrip
  • 4% on other preferred-merchant spends, 1% on everything else
Airtel Axis Bank Credit Card — Axis Bank Cashback credit card

Airtel Axis Bank Credit Card

Cashback
  • 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bills via the Airtel Thanks App, capped at 2x your base cashback per statement month
  • 10% cashback on gas and electricity bills via the Airtel Thanks App, capped at your base cashback per statement month
  • 10% value back on Zomato, Blinkit and District Movies, capped at ₹200/partner/month (₹499 minimum transaction on Zomato/Blinkit)
IndianOil Axis Bank Credit Card — Axis Bank Fuel credit card

IndianOil Axis Bank Credit Card

Fuel
  • 4% value back at IndianOil fuel outlets (20 EDGE Reward Points per ₹100), on ₹400–₹4,000 transactions, capped at ₹5,000 eligible spend/month
  • 1% fuel surcharge waiver separately, capped at just ₹50 per statement cycle
  • 1% value back on online shopping (5 EDGE points per ₹100), capped at ₹5,000 eligible spend/month

Card names, fees and figures shown are illustrative; verify current terms with Axis Bank directly before applying.