Axis Bank Neo Credit Card Limit & Reviews – 40% OFF On Zomato

The Axis Bank Neo Credit Card is a beginner-friendly card designed for users who want everyday savings with simple benefits. It is popular among first-time credit card holders because of its easy eligibility and practical features. The Axis Bank Neo credit card limit is usually entry-level and depends on your income and credit profile, making it suitable for controlled spending. While it is not a premium card, it still offers useful perks like food ordering discounts and select lifestyle offers. Many users also look for details about Axis Bank Neo credit card lounge access, which is limited and offer-based rather than complimentary. In this Axis Bank Neo credit card review, the card stands out as a good choice for basic usage, online spends, and building a credit history without high annual fees.

Axis Bank Neo Credit Card Limit 2026

The Axis Bank Neo credit card limit is kept intentionally low because this card is designed for first-time users and basic spending needs. The limit is assigned based on income, credit score, and banking relationship with Axis Bank.

• Axis Bank Neo credit card minimum limit: Usually starts from ₹15,000 to ₹25,000 for new or first-time credit card users.
• Axis Bank Neo Credit Limit: Most users receive a limit between ₹30,000 and ₹1,00,000, depending on salary and CIBIL score.
• Axis Bank Neo Maximum Limit (Practical Range): Rarely exceeds ₹1.5 lakh, as this is an entry-level card.
• Axis Bank credit card Neo limit increases: Limit enhancement is possible after 6–9 months of good repayment history.
• Axis Bank Neo credit card cash withdrawal limit:Cash withdrawal limit is usually 20–40% of the total credit limit.
  (Example: ₹20,000 limit → ₹4,000–₹8,000 cash limit)
• Axis Bank Neo credit card annual charges:
  • Joining Fee: Nil
  • Annual Fee: ₹250 + GST
  • Fee is waived on annual spends of ₹2.5 lakh
• Neo credit card Axis Bank charges (Cash Withdrawal):
  • Cash advance fee: 2.5% of amount (minimum ₹500)
  • Interest starts immediately, no interest-free period

Also Read: HDFC Credit Card Limit Increase 2026

Axis Bank Neo Credit Card Lounge Access 2026

The Axis Bank Neo credit card lounge access benefit is not complimentary.

• No Free Airport Lounge Access: The Axis Bank Neo Credit Card does not offer complimentary domestic or international airport lounge access. This applies regardless of your Axis Bank credit card Neo limit or spending level.
• Paid Lounge Access Only (If Available): At select airports, you may be allowed paid lounge entry via third-party platforms (like DreamFolks), but the full lounge fee is charged to your card. This is not a free benefit.
• Not Linked to Priority Pass or LoungeKey: Unlike premium Axis cards, Neo is not linked to Priority Pass, LoungeKey, or unlimited lounge programs.
• Why Lounge Access Is Missing: The Neo card is an entry-level lifestyle card, focused on online discounts and food offers rather than travel perks. This is reflected in most honest Axis Bank Neo credit card review analyses.
• Neo Card Benefits Focus Elsewhere: Core Axis Bank Neo card benefits include Zomato, Myntra, and BookMyShow offers — not airport privileges.
• Charges Still Apply: Even though there is no lounge access, standard Axis Bank Neo credit card charges like annual fee and cash withdrawal fees still apply.

If airport lounge access is important to you, the Axis Bank Neo Credit Card is not the right choice. It is best suited for beginners and online spenders, not frequent travelers.

Axis Bank Neo Card Benefits 2026

Here are the actual benefits you get with the Axis Bank Neo credit card, based on official offers and verified terms.

1. Activation Welcome Benefit: You receive 100% cashback up to ₹300 on your first utility bill payment within 30 days of card issuance.

2. Discounts on Food Delivery (Zomato): Get up to ₹120 off on Zomato orders (use coupon code usually twice a month).

3. Online Shopping & Offers: Enjoy instant discounts like 10% off on Myntra and Blinkit purchases (minimum spend conditions apply), and discount coupons for BookMyShow movie tickets.

4. Weekly & Partner Offers: Special Wednesday offers include savings on hotel & flight bookings via MakeMyTrip and 10% off on food orders and beauty products at select partners.

5. EDGE Rewards Points: Earn EDGE REWARDS points on transactions (commonly 1 point for every ₹200 spent), which you can redeem against gift vouchers and products.

6. Dining & Lifestyle Discounts: Participate in Axis Bank’s Dining Delights program to get dining discounts at partnered restaurants.

7. Security & Convenience: The Neo credit card comes with EMV chip technology and zero liability protection against unauthorized transactions if reported.

Important Notes (Fact-Based)

• No guaranteed airport lounge access is offered with the Neo card in standard terms.
• Benefits are offer-based — discount percentages and partners can change over time.

The Axis Bank Neo card benefits focus mainly on welcome cashback, food & online shopping discounts, partner offers, and reward points rather than travel perks or premium privileges.

If you’d like, I can also break this down into Hindi or provide the Axis Bank Neo credit card benefits PDF highlights.

Suggestive Read: HDFC Multicurrency Forex Card Review 2026

Axis Neo Credit Card Zomato Offer 2026

The Axis Neo credit card Zomato offer gives you a direct discount on Zomato food delivery, and here’s the exact, verified information you need — not generic fluff.

• Flat ₹120 off per order: When you pay with your Axis Bank Neo card, you can get a ₹120 discount on food delivery orders on Zomato.
• Promo Code: Use Code at checkout in the Zomato app to avail of this offer.
• Minimum Order Requirement: Your Zomato order must be at least ₹499 (before discount) for the offer to apply.

How Often You Can Use It: The offer can be used up to twice per card, per month.

Important Limitations:

• The discount is capped at ₹120 per order despite percentage marketing claims.
• It applies only when paying with the physical Axis Neo card — not with UPI or linked wallets.
• Axis Neo Credit Card Zomato offer: Flat ₹120 off with coupon code AXISNEO.
• Minimum spend: ₹499.
• Use frequency: Twice per month per card.

This Zomato benefit is one of the key perks highlighted in many Axis Neo credit card review posts and is part of the broader Axis Bank Neo card benefits package, even though the card’s Axis Bank Neo credit card limit and Axis Bank Neo credit card lounge access perks remain modest or limited.

Axis Bank Neo Credit Card Apply Eligibility

Here’s the actual eligibility criteria to apply for the Axis Bank Neo Credit Card — based on official terms and verified details — so you know exactly what’s required before applying.

1. Age Requirement: You must be between 18 and 70 years old to apply for the Axis Neo card. Add-on cardholders must be at least 15 years old.

2. Residential Status: Both Indian residents and NRIs (Non-Resident Indians) can apply for this card.

3. Income & Credit Profile: Axis Bank evaluates your income and credit history before approving the card and assigning your Axis Bank credit card Neo limit. While Axis Bank doesn’t publish a fixed minimum income for this specific card, applicants with a regular source of income and a decent credit score are more likely to be approved. Higher income and better credit history improve approval chances.

4. Required Documents:

You must submit:

• Identity proof (e.g., PAN card or Aadhaar card)
• Residence proof (e.g., passport, driver’s license, electricity bill)
• Income proof (payslips, Form 16, or ITR copy)
• Passport-size photograph

5. No Special Travel or Lounge Criteria:

This card’s eligibility does not depend on travel history or premium features like Axis Bank Neo credit card lounge access — it’s a basic lifestyle card.

To apply for the Axis Neo Card (often highlighted in an Axis Bank Neo Credit Card review) This eligibility setup makes the Axis Neo credit card one of the more accessible options in Axis Bank’s lineup, especially for first-time card users.

Axis Bank Neo Credit Card Login

Here’s how you actually access your Axis Bank Neo Credit Card account online or via app — exact steps used to manage your card details, view statements, pay bills, and more. This applies whether you’re checking transactions or tracking your Axis Bank credit card Neo limit online.

1. Through Axis Bank NetBanking:

• Visit the Axis Bank Internet Banking login page.
• Enter your Customer ID and NetBanking password.
• Once logged in, go to Cards → My Credit Cards.
• Select your Neo credit card to view balance, bills, payment due, and transaction history.

2. Through Axis Mobile / Open by Axis App:

• Download the Axis Mobile or Open by Axis app.
• Register/login using your banking credentials or registered mobile number.
• Go to the Credit Cards section and choose your Neo card to view details.

Notes:

• This login method works for all Axis Bank credit cards, including the Axis Bank Neo card.
• After login, you can check statements, payments, reward points, and manage billing for your Axis Bank Neo Master Card.

This gives you the specific Axis Bank Neo credit card login steps used by actual cardholders — not a generic overview of Axis Bank services.

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Axis Bank Neo Credit Card Review 2026

In most Axis Bank Neo credit card review posts, one of the first questions people ask is whether this card offers lounge access — especially when comparing it with other lifestyle cards. The clear and factual answer is:

• No Complimentary Lounge Access: The Axis Bank Neo credit card does not provide free airport lounge access — neither domestic nor international — as part of its standard benefits. This is true regardless of the Axis Bank Neo credit card limit assigned to your account.
• Not Linked with Priority Pass or Similar Programs: Unlike higher-tier Axis Bank cards, the Neo card is not linked with Priority Pass, LoungeKey, or any branded lounge programs. So, travelers will not get automatic lounge visits.
• Why Lounge Is Not Included: The Axis Bank Neo card benefits package focuses mainly on everyday savings — such as food delivery, online shopping offers, and fuel surcharge waivers — rather than travel perks. This aligns with its positioning as an entry-level, everyday use card, not a premium travel card.
• Paid Lounge Entry (If Available): In rare cases, you may pay for lounge access at certain airports through third-party services, but this is not a benefit of the card and would be at your own cost.

Bottom Line

The Axis Bank credit card Neo card is best suited for first-time users who want simple savings and easy approval rather than premium travel benefits. The card focuses on everyday value through food, shopping, and utility offers, which are clearly explained in many axis bank neo credit card benefits in hindi guides. While the axis bank neo credit card offer and axis bank neo card offer make it attractive for online spending, it is important to note that it is not a lifetime free card for everyone—axis bank neo card charges apply unless the spend criteria is met. With a moderate axis bank neo card limit, this card works well for controlled usage and building credit history, not for high-limit or premium needs.