Axis Bank Neo Credit Card

Axis Bank · ₹250 a year

A low-fee card whose value is in merchant discounts rather than rewards.

Base rate: 0.1% as EDGE REWARD Point.

What the bank says

• 1 EDGE REWARD point for every ₹200 spent
• 5% off utility bills and recharges through Paytm
• 10% off on Blinkit, up to ₹250, once a month
• Lifetime free when applied for through select channels

Things that catch people out

• The first year is free; ₹250 a year after that.
• Its discounts are not counted in our figure, only its points.

Joining fee: ₹250. Foreign currency markup: 3.5%.

Read from Axis Bank’s own page on 2026-09-16.

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