Axis Bank Neo & Privilege Credit Card
Issued by Axis Bank
This listing covers two Axis Bank cards: Neo, an entry-level card with discounts on Zomato, Blinkit and other everyday spends, and Privilege, a rewards card with EDGE REWARD points, milestone points and domestic lounge access. Both are issued by Axis Bank.
Joining fee
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Annual fee
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Fee waiver
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Finance charge
55.55% p.a.
As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- Neo: joining fee ₹250 and annual fee ₹250 from the second year, lifetime free via select channels
- Neo: flat ₹120 off on Zomato (twice a month), 10% off on Blinkit up to ₹250 once a month, 1 EDGE REWARD point per ₹200
- Privilege: Nil joining and annual fee as a limited-period offer on the Visa network; the ₹1,500 annual fee is reversed on ₹5 lakh spends in the previous anniversary year
- Privilege: 10 EDGE REWARD points per ₹200 and 10,000 bonus points on ₹2.5 lakh spends in a card anniversary year
- Privilege: 2 domestic lounge visits per calendar quarter, with ₹50,000 spends in the prior 3 months
- Both: finance charges of 3.75% per month (55.55% per annum) and a 3.50% foreign currency fee
Best for
Everyday discounts (Neo) or reward points (Privilege)
Pros
- Neo has low or no fees with everyday food and grocery discounts
- Privilege earns reward points and milestone bonus points
Cons
- Finance charges of 55.55% per annum if a balance is carried
- Privilege welcome points (12,500) are credited only on levy of the joining fee and a first transaction within 30 days
- Privilege lounge access requires ₹50,000 spends in the prior 3 months
- Fee waivers depend on the application channel or a limited-period offer
Eligibility
- Primary cardholder aged 18-70 years
- Neo: Indian resident or NRI
- Privilege: Indian resident
Documents required
- PAN card photocopy or Form 97
- Proof of income: latest payslip, Form 16 or IT return
- Residence proof: driving licence, electricity bill or landline telephone bill
Frequently asked questions
Is the Axis Bank Neo credit card free?
Axis lists a ₹250 joining fee and ₹250 annual fee from the second year, with the card lifetime free when applied for through select channels.
Who can apply for these cards?
Primary cardholders aged 18 to 70. Neo is open to Indian residents and NRIs; Privilege is for Indian residents.
Do I get the Privilege welcome points if the joining fee is waived?
Axis says the 12,500 EDGE REWARD points are credited upon levy of the joining fee and completion of the first transaction within 30 days of card issuance. Check the offer terms when applying.
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