Axis Bank Neo Credit Card is a unique Life Time Free Credit card which gives up to 40% Discount on various offers. Let’s look at its various features and learn how you can apply for the same.
- Joining Fee – NIL
- Annual Fee – NIL
- Network – Rupay
- Card Type – Everyday
- Return – 0.33% to 5.0%
Table of Contents
Welcome Benefit
The Life Time Free Axis Neo Credit Card provides an activation benefit of 100% cashback up to ₹300 on the first utility bill payment made within the first 30 days of card issuance.
The cashback will be processed only if the payment has been made against the MCC codes eligible for the benefit (utility): 4814, 4812, 4899, 4900.
Utility Bill Payment Offer
| Per Month | Once |
| Minimum Spend | ₹299 per transaction |
| Max. Discount | ₹150 per month |
| Maximum Benefit on | ₹3,000 spends per month |
| Total Maximum Benefit | ₹150 (per month) ₹1,800 (per annum) |
Using Axis Neo Credit Card you can get 5% off on Utility bill payments via Amazon Pay – once a month upto ₹150 INR which translates to an annual savings of ₹1800 per year.
Grocery Shopping
| Per Month | Once |
| Minimum Spend | ₹750 per order |
| Max. Discount | ₹250 per month |
| Maximum Benefit on | ₹2,500 per month spends |
| Total Maximum Benefit | ₹250 (per month) ₹3,000 (per annum)* |
This Credit Card offers up to 10% savings on grocery purchases via Blinkit on a minimum spend of ₹750. You need to use the code AXISNEO under “Promo Code & Bank Offers” at the time of checkout.
So, together with just Utility Bill payment and Grocery shopping, you can easily save close to ₹4,800 which is a great proposition for a Life Time Free Credit Card.
Book My Show Discount
| Per Month | Once |
| Minimum Spend | N.A. |
| Max. Discount | ₹100 per month |
| Maximum Benefit on | ₹1,000 per month spends |
| Total Maximum Benefit | ₹100 (per month) ₹1,200 (per annum)* |
You can avail 10% discount on movie tickets booked via BookMyShow.
To avail the offer check ‘Unlock Offer or Apply Promocodes‘. Then click on ‘Select Offer‘ and choose ‘Axis Bank Neo Credit Card Offer’ from the offers drop down list.
Enter your 16 digit Axis Bank Neo credit card number in the box and click on ‘Check‘ to avail the offer.
Myntra Offer
| Per Month | Multiple times |
| Minimum Spend | ₹999 on select styles |
| Max. Discount | Flat ₹150 off per transaction |
| Maximum Benefit on | ₹999 spends |
| Total Maximum Benefit | ₹150 x no. of purchases |
The Myntra offer is available on Axis Neo Card for select styles available via this link. The code to be used for the availing the offer is MYAXISBANK23.
There are also some other Terms & Conditions for the offer which should be thoroughly read before making a purchase.
Zomato Offer
| Per Month | 2 Orders |
| Minimum Spend | ₹200 per order |
| Max. Discount | ₹120 per order |
| Maximum Benefit on | ₹300 per order |
| Total Maximum Benefit | ₹240 (per month) ₹2,880 (per annum) |
Neo Credit Card provides 40% off on Zomato orders with a minimum spend of ₹200, capped at ₹120 per order. This offer can be availed twice a month using the coupon code “AXISNEO“.
This card has many benefits but is lacking any reward on Fuel Spends. There are some great benefits which some of the other credit cards such IDFC HPCL Power Credit Card Provides.
Eligibility Criteria
- Required Age: 18 – 70 years
- Employment status:
- Salaried
- Self-Employed
- Minimum Income:
- ₹21,000 per month (Salaried)
- ₹30,000 (Self-Employed)
Final Thoughts
This Card is an ideal option for individuals who enjoy frequent online shopping, food deliveries, and entertainment activities.
With a wide range of discounts, including 40% off on Zomato orders and 10% off on Myntra, Blinkit, and BookMyShow purchases, this card offers significant savings on everyday spends.
Additionally, the utility bill payment discounts and the “Dining Delights” program make it an excellent choice for young millennials and for those looking to maximize benefits on regular spending categories.
The Axis Bank Neo Credit Card being Life Time Free also makes a good choice for it being the first card to apply for.