Axis NEO Credit Card 2025
Save over ₹10,000+ every year with 15% online cashback + NO FEES + instant activation!
Best beginner card! Axis NEO gives 15% cashback on online spends, ₹250 monthly voucher, lifetime free, and instant virtual card activation in Axis app.
Perfect for first-time users & online shoppers!
Why Choose Axis NEO in 2025?
15% online cashback • ₹250 monthly voucher • Lifetime free • Instant virtual card • Easy eligibility
Best for: Beginners, online shoppers, students, low spenders
Card At a Glance
₹0 (Lifetime Free)
₹0 (Never)
15% Online | 1% Others
None
3.5%
₹250
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Never Charged) |
| Cashback | 15% on online spends |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (up to ₹400) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 15% cashback on online shopping (Amazon, Flipkart, Myntra, etc.)
- ₹250 monthly voucher on ₹15,000 spends
- 1% cashback on all other spends
- Cashback credited directly to statement
- No expiry on rewards
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹1 Lakh purchase protection
- Zero lost card liability
- Fraud protection
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Lifetime FREE | No lounge access |
| 15% online cashback | 3.5% forex markup |
| ₹250 monthly voucher | No fuel waiver |
| Instant virtual card | Basic benefits |
| Super easy approval | 3.6% interest rate |
| Great for beginners |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- Minimum Annual Income: ₹2 Lakh
- Credit Score: 680+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Open Axis Bank app/website → Credit Cards
- Select NEO → Fill basic details
- Upload PAN & Aadhaar only
- Video KYC (1 minute)
- Virtual card instantly + physical in 7 days
Final Verdict – Should You Get It in 2025?
Best FREE beginner card! 15% online cashback + ₹250 voucher + NO FEES EVER = ₹10,000+ value. Perfect first card for online shoppers!
Frequently Asked Questions (FAQs)
Really lifetime free?
Yes! No joining fee, no annual fee - ever!
15% on all online spends?
Yes! Amazon, Flipkart, Myntra, etc. (capped at ₹500/month).
₹250 voucher every month?
Yes! On ₹15,000 monthly spends.
Instant virtual card?
Yes! Use immediately after approval in Axis app.
Easy to get?
Yes! Only ₹2L income + PAN/Aadhaar.