Axis Bank NEO Credit Card — Lifetime Free | Complete Guide & Benefits
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| Axis Neo Credit Card Offers 2025 |
Quick Snapshot
| Attribute | Details |
|---|---|
| Card Name | Axis Bank Neo Credit Card |
| Annual Fee | Lifetime Free |
| Welcome / Dispatch Value | ₹1,800 (on Axis NEO credit card dispatch — T&C apply) |
| Target Audience | Working professionals (Male / Female), Age 25+ |
| Minimum Income | ₹30,000 (monthly take-home / eligibility as per bank) |
| Offered Benefits | Zomato, Blinkit, Myntra, Bill Payments, Amazon Pay utility offers, BookMyShow |
Where Rewards Apply (Cities)
The card's city-specific rewards & offers are applicable in the following locations (pan-India major towns & tier-2 cities included):
| Agra, Ahmedabad, Ahmednagar, Aligarh, Allahabad, Ambala, Amritsar, Anantapur, Aurangabad, Bengaluru, Bareilly, Bathinda, Bharuch, Bhavnagar, Bhopal, Bhubaneswar, Burdwan, Calicut, Chandigarh, Chennai, Chittoor, Coimbatore, Cuddapah, Dehradun, East Godavari, Faridabad, Gandhi Nagar, Ghaziabad, Gorakhpur, Guntur, Gurgaon, Guwahati, Gwalior, Haridwar, Hisar, Hissar, Hooghly, Howrah, Hyderabad, Indore, Jaipur, Jalandhar, Jammu, Jamnagar, Jamshedpur, Jodhpur. |
| K V Rangareddy, Kalyan, Kanpur, Karimnagar, Karnal, Khandwa Road, Kochi, Kolhapur, Kolkata, Kota, Krishna, Kurnool, Lucknow, Ludhiana, Meerut, Mohali, Moradabad, Mumbai, Muzaffarnagar, Mysuru, Nagpur, Nashik, Navi Mumbai, Nellore, New Delhi, Noida, North 24 Parganas, Panipat, Patiala, Patna, Prakasam, Pune, Puri, Raipur. |
| Rajkot, Ranchi, Rewari, Saharanpur, Sangrur, Surat, Thane, Trivandrum, Udaipur, Vadodara, Valsad, Varanasi, Vijayawada, Visakhapatnam, Warangal, West Godavari, Yamuna Nagar |
Featured Benefits (Partner-wise)
Practical benefits that make this Lifetime Free card attractive for everyday spending.
```| Partner | Benefit |
|---|---|
| Zomato | 40% Off up to ₹120 on food delivery (valid twice a month). Ideal for regular food orders. |
| Bill Payments | 100% instant cashback credit up to ₹300 on first utility bill payment (activation benefit). Additionally, 5% off on mobile recharges, broadband & DTH via Amazon Pay. |
| Blinkit | Power of 10 — 10% off on Blinkit purchases (T&C: maximum discount per month as per bank). |
| Myntra | 10% off on Myntra (as part of Power of 10 offers) — great for seasonal shopping. |
| BookMyShow | 10% off on BookMyShow — useful for frequent movie-goers and entertainment purchases. |
Activation Benefit (Highlight): Get 100% instant cashback credit up to ₹300 on your first utility bill payment using the card. (Activation offers may be limited-time and subject to eligibility & bank terms.)
```How the Offers Work — Quick Notes
- Cashback and discounts are usually capped per transaction and per month — read T&C carefully before transacting.
- “Power of 10” partner discounts (Blinkit, Myntra, BookMyShow) typically require the transaction to be routed via designated app flows or promo codes.
- Zomato discounts may require card activation in the Axis app or usage via specific promo code links.
- The ₹1,800 dispatch/welcome value is illustrative of the combined partner benefits — actual value and availability depend on bank campaigns and approval.
Eligibility & Application Snapshot
| Eligibility Factor | Requirement |
|---|---|
| Minimum Age | 25 years+ |
| Minimum Income | ₹30,000 monthly (as per user input — bank may consider other income proofs) |
| Occupation | Working professionals (M/F) — salaried preferred |
| Documentation | ID proof (Aadhaar / PAN), address proof, salary slips / bank statements |
Important Links
| Link | Purpose |
|---|---|
| Apply /This Link | Direct referral / application link (use your user token at the end). Verify destination & authenticity before sharing. |
| Axis Bank — Official Website | Check card T&Cs, offers page, and apply securely through Axis Bank channels. |
FAQs
```| Q: Is Axis Neo really lifetime free? | Yes — Axis Neo is advertised as a lifetime free credit card. However, always confirm any conditional charges (e.g., replacement cards, add-on cards) in the bank's fee schedule. |
| Q: How do I get the ₹300 activation cashback? | Typically by completing the first utility bill payment using the card within the offer window. Activation rules vary — read the offer terms in the Axis app or the card welcome kit. |
| Q: Are partner discounts automatic? | Some partner discounts (like Zomato) may require the use of a promo code or activation in the Axis offers section. Blinkit / Myntra / BookMyShow offers may appear as merchant-specific discounts when you pay with your card. |
| Q: What if I don't meet the ₹30,000 income criterion? | The given income is a guideline — Axis Bank evaluates applications based on full income documentation and credit profile. Consider checking Axis co-branded or entry-level cards for lower income criteria. |
| Q: Are these offers city-restricted? | Some offers or campaign-specific rewards might be limited to participating cities listed earlier. Always verify the offers page or SMS/email communication from Axis for city-specific applicability. |
Conclusion
The Axis Bank Neo Credit Card — lifetime free — is an attractive everyday card for working professionals who regularly spend on food delivery, quick grocery/commerce apps (Blinkit), fashion (Myntra) and entertainment (BookMyShow). Key highlights include the activation cashback (up to ₹300), repeated Zomato discounts, Amazon Pay bill offers and the Power of 10 partner discounts. If you fall in the target audience (25+ and ₹30,000+ income) and live in one of the listed cities, this card can deliver strong value for frequent digital spenders.
```Final tips: Before applying, confirm current offers on Axis Bank’s official site, check the exact T&Cs for each partner discount, and retain screenshots of promotional terms. Use the referral/apply link only after validating the destination: Apply / This Link.
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