Axis Bank Neo Credit Card
AXIS · VISA★ 4.0/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
5% on Online Shopping
5% cashback on partner apps (cap ₹500/mo)
5% on Dining
5% cashback on food delivery
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Movie Ticket Benefit
1 complimentary movie ticket per month via BookMyShow
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
1/month
Free movie tickets
- 1 complimentary movie ticket per month via BookMyShow
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
online shopping cashback
1.0%
Base rate (all other spends)
₹500
Monthly cap (accelerated)
- 5.0% cashback on online shopping
- 1.0% on all other spends — no restrictions
- Accelerated cashback capped at ₹500/month
🍽️ FOOD & DINING BENEFITS
Dining rewards, food delivery cashback and partner benefits.
5.0%
Dining cashback rate
PARTNER PLATFORMS
- 5.0% return on restaurant and dining spends
- Accelerated earn on: Swiggy, Zomato
Rohan just graduated and moved to Pune for his first job. He orders Zomato almost daily (₹2,000/month) and occasionally books BookMyShow. Axis Neo gives him 5% back on Zomato and Swiggy plus one free movie ticket every month worth ₹200. That's ₹1,200 in food cashback + ₹2,400 in movie tickets = ₹3,600/year, with zero annual fee and no salary requirement for the Axis savings account route.
Who is this for?
Best for first-jobbers and students who order food delivery 3+ times a week. If Zomato Gold is your lifestyle, Neo is your wallet — the 5% food cashback and free monthly movie ticket together beat most entry cards with fees.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 5% | ₹500 |
| Dining | cashback | 5% | ₹500 |
| Other | cashback | 1% | — |
Online Shopping: 5% cashback on partner apps (cap ₹500/mo) · Swiggy,Zomato,BookMyShow,Myntra
Dining: 5% cashback on food delivery · Swiggy,Zomato
Other: 1% cashback on all other transactions
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
1 complimentary movie ticket per month via BookMyShow
Should you get it?
- Best for: Daily food delivery orderer on Swiggy/Zomato, First credit card for Zomato Gold enthusiasts, Axis Bank account holder wanting a free food card, Student or young professional who orders food regularly
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Online Shopping (5% back).
Pros
- 10% off on Swiggy and Zomato orders — effective discount on every food delivery
- Free 1-month Zomato Gold on joining — immediate welcome value
- 1% cashback on all other spends as a simple base earn
- Lifetime free — no fee to worry about
Cons
- 10% is a discount/cashback cap — verify current structure as Axis periodically revises
- No lounge access or travel benefits
- Minimal earn outside food delivery categories
- Best suited as a dedicated food card alongside a primary credit card
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Direct cash adjustment — no conversion
The concern
Earn rates outside the promo categories are negligible, and Axis positions Neo as a stepping stone — expect to outgrow it within two years.
Bottomline
CardAdvisor Rating: 4.0 / 5Neo is the best first card for a fresh graduate we know of: food delivery cashback plus a BookMyShow ticket every month, zero fee, low eligibility bar. It will not scale with your income — and it does not need to.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the Axis Bank Neo Credit Card are taken from AXIS's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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