एक्सिस नियो क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Axis Bank Ltd.
Budget shopping card offering 10% instant discount on Blinkit groceries, BookMyShow tickets, and Myntra fashion purchases.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
Axis Neo Credit Card is a budget lifestyle starter card targeted at young shoppers and quick-commerce users. It delivers 10% instant discounts on Blinkit groceries, BookMyShow movie tickets, and Myntra fashion checkouts with an accessible ₹400 annual fee.
Amazon gift voucher worth ₹250 upon card activation and first retail transaction within 30 days.
No complimentary airport lounge access is included on this entry card.
1% fuel surcharge waiver across all petrol pumps in India on transaction amounts between ₹400 and ₹4,000 (maximum waiver of ₹400 per statement cycle).
Annual fee reversal on ₹1,00,000 annual spend. Regular monthly discounts across Blinkit, Myntra, and BookMyShow.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 18 to 70 with monthly salary exceeding ₹15,000. Self-employed individuals aged 18 to 70 with annual ITR exceeding ₹3,60,000.
न्यूनतम वार्षिक आय आवश्यकता
₹15,000/month (Salaried) / ₹3,60,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
No airport lounge access. Standard retail reward rate is very low at 0.10% (1 point per ₹200 at ₹0.20/point). Discounts are capped at modest monthly thresholds.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit axisbank.com/cards or apply via Axis Mobile app. Step 2: Enter PAN and mobile number for instant eligibility check. Step 3: Select Axis Neo Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on Axis Neo Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on Axis Neo Credit Card into EMI?
Yes, Axis Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on Axis Neo Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Axis Bank Ltd.'s official mobile banking application or web portal. 1 EDGE Reward Point = ₹0.20 against catalog merchandise or statement balance. Please note: EDGE Reward Points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on Axis Neo Credit Card and how does it work?
The interest-free period on Axis Neo Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.