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Axis Neo Credit Card: Lifetime Free Offer (Till 31 Dec) + Zomato & Blinkit Deals

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November 4, 2026

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Axis Bank Neo Credit Card 2026: lifetime free offer till 31 Dec, ₹120 off Zomato, 10% off Blinkit, Cleartrip deals & more. Check benefits & apply now!

Key Highlights at a Glance

Rewards & Benefits Fact Sheet

🎁 Welcome (Activation) Benefit

• 100% cashback up to ₹300 on your first utility bill payment within 30 days of card issuance (not activation). It is one-time only.
• Eligible MCCs: 4814, 4812, 4899, 4900.

🍔 Zomato: ₹120 Off

• Code AXISNEO. Item total must be ₹499 or more (rule effective 1 Jul 2025).
• Valid up to 2 times per card per month, across one or multiple Zomato accounts. Maximum ₹120 per order.
• Variant-specific: not valid if you pay via a UPI-linked Neo RuPay card.

🛒 Blinkit: “Power of 10”

• Code AXISNEO. 10% off up to ₹250 per card per month, minimum transaction ₹750, calculated on the net amount paid.
• Not applicable if the cart contains milk, tobacco, cigarettes or baby needs.
• On a partial refund, the discount is deducted pro rata.

🎬 BookMyShow

• 10% off movie tickets, up to ₹100 per month, on bookmyshow.com or the app only (not via cinema sites).
• New condition (effective 1 Nov 2026): you need ₹25,000 of eligible spend in the preceding 3 calendar months. It is waived for the month of issuance and the next 3 calendar months.
• Fees, interest, reversals and refunds don’t count toward the ₹25,000. For EMIs, only the billed instalment counts.

📱 Paytm: 5% Off Recharges

• Code AXISNEO. Covers mobile recharge, broadband and DTH only, not all utility bills.
• Minimum ₹299, maximum ₹150 per card per month, valid once per month. Not valid for UPI payments via the Neo RuPay card.
• Paytm may add a platform/convenience fee.

✈️ Cleartrip

• Code CTAXISNEO. Works on the Cleartrip website, apps and mobile site.
• Flights (domestic and international): 7% off up to ₹2,000, no minimum.
• Hotels: 18% off up to ₹4,000, minimum booking ₹4,000.
• Offer period: 11-05-2026 to 30-11-2027.
• The discount is not refunded on cancellation.

🎯 EDGE Rewards (Points Rate vs Real Value)

• Earn rate: 1 EDGE point per ₹200, valued at ₹0.20 per point, so about 0.10%. This is not a cashback percentage.
• Spend is rounded down before points are calculated. The T&C’s example turns ₹259 into ₹200.
• You need at least 300 points to redeem. At this earn rate that is ₹60,000 of spend, worth about ₹60.
• Points expire 3 years from earning. They are forfeited if there is no earn, redemption or login for 365 days, and 30 days after card closure or if the minimum due stays unpaid for over 90 days.
• Points are credited within 7 working days of the eligible transaction.

🧮 Spend Examples

Axis’s own value chart totals ₹9,300 in year 1 and ₹9,000 from year 2, with maximum monthly benefits of ₹750. This assumes you use every offer each month and excludes Cleartrip. The page’s “up to ₹10,000” headline doesn’t match its own table, so I’ve used the table figures.

🚫 No EDGE Points On

• Utilities, educational services, insurance, government institutions, wallet loads, rent, fuel, gift cards, bridge/road/toll fees.
• Under the EDGE T&C: balance transfers, cash advances, onus transactions, fees, disputed transactions and petrol pump purchases. Points are debited on EMI conversions and not restored if the EMI is cancelled.

🏦 Fees & Charges (MITC)

• Fees: ₹Nil under the LTF offer; ₹250 joining and ₹250 annual otherwise. Add-on cards are Nil. GST is extra.
• Interest: 3.75% per month (55.55% p.a.).
• Late payment fee: Nil up to ₹500 due; ₹500 for ₹501–5,000; ₹750 for ₹5,001–10,000; ₹1,200 for ₹10,001–50,000; ₹1,300 above ₹50,000.
• Cash withdrawal: 2.5% (min ₹500).
• Surcharges: 1% on rent, third-party education payments, wallet loads (₹10,000+ per cycle) and utilities (₹25,000+ per cycle). The utility surcharge matters for heavy Paytm bill users.
• Fuel surcharge: the MITC states the refund is not applicable on the NEO.
• 🌍 Forex: 3.5% + taxes. Refunds of foreign transactions attract an extra 3.5%. The MITC lists no variant-specific rate.
• Over-limit fee: 2.5% (min ₹500).
• Security: EMV chip and Zero Lost Card Liability.
• Not listed: lounge access.

Eligibility Criteria

• Age Requirement: 18 to 70 years
• Employment Status: Salaried or Self-Employed
• Salaried Income: Minimum ₹25,000 per month
• Self-Employed Income: Minimum ITR > ₹3,60,000 per annum
• Credit Score (CIBIL): 736+
• Credit History: New-to-Credit (NTC) applicants are not allowed

Required Documents

• Identity Proof: PAN Card / Form 60
• Address Proof: Aadhaar, Passport, or valid Utility Bills
• Income Proof: Recent salary slips or bank statements (ITR acknowledgment for self-employed)
• Photograph: Recent passport-sized color photograph

How to Apply Online

1. Start Application
2. Enter Personal Details: Provide your mobile number, PAN, and basic residential information to check preliminary offers.
3. Select Network & Income Details: Choose your preferred network (Visa, MasterCard, or RuPay) and submit your employment and monthly/annual income figures.
4. Complete Video KYC: Upload digital copies of your required documents and complete the quick paperless Video KYC verification.
5. Instant Issuance & Card Activation: Upon approval, your virtual card details are generated instantly for online use while the physical card is mailed to your address.

Axis Neo Credit Card: Lifetime Free Offer (Till 31 Dec) + Zomato & Blinkit Deals

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