Axis Bank NEO Credit Card – ₹120 Off Zomato, Blinkit & Wednesday Deals

Best For

Shopping

Online Food Ordering

Dining

Utility Bills

Joining/Annual Fees

Joining Fees

₹0 ( ₹0 + GST )

100% cashback up to ₹300 on utility bill payment within 30 days of card issuance.

Annual Fees

₹295 ( ₹250 + GST )

The annual fee of ₹250 is non-waivable and will be charged every year.

Eligibility

Age Criteria

21-70 years

Salary Criteria

4 LPA

Credit Rating*

720+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.25

Redemption Options

E-Vouchers
Product Catalogue
Travel Bookings
Recharges & Movie Tickets

To check redemption catalogue

All Card Benefits

All Card Benefits

100% cashback up to ₹300 on your first utility bill payment within 30 days of card issuance
Flat ₹120 off on Zomato orders twice per month using code AXISNEO
15% off at partner restaurants via Axis Bank EazyDiner, capped at ₹500 per visit

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Spends

Insurance Payments

Utility bills

Education Service

Government Institutions

Wallet

Rent

For Spends Waiver

Fuel Spends

Insurance Payments

Utility bills

Education Service

Government Institutions

Wallet

Rent

Bank Fee Structure

Structure	Details
Forex Markups 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50%
APR Fees 3.6% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 43.2%	3.60%
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).	2.50%
Reward Redemption Fees No fee is charged when redeeming reward points on this card.	Not Applicable
Link for all T&Cs	Click Here
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.	As prescribed by IRCTC / Indian Railways
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
Cheque Payment Fees No cheque payment fee is charged	₹0
Cash Payment Fees	₹100

Late Payment Fees Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date.	Amount Due
₹0 - ₹500	₹0
₹501 - ₹5000	₹500
₹5001 - ₹10000	₹750
₹10001- and above	₹1200