Neo Credit Card
Rs 250Annual fee
0Domestic lounge
3.5%Forex markup
Best for
Zomato, Blinkit, Bookmyshow, Utility Bills
Top rewards
Eligible Spends: 1 EDGE REWARD Point / ₹200 spent
SmartEarn Credit Card
Rs 495Annual fee
Rs 40,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online, Entry Level, Shopping, Amazon, Zomato
Top rewards
Partner Merchants: 10 Membership Rewards Points / ₹50 spent on select 10X merchants; Amazon: 5 Membership Rewards Points / ₹50 spent on Amazon; Retail: 1 Membership Rewards Point / ₹50 spent on other eligible spends
| Feature | Neo Credit Card | SmartEarn Credit Card |
|---|---|---|
| Issuer | Axis Bank | American Express |
| Network | RuPay, Visa | American Express |
| Joining fee | Rs 250 | Rs 495 |
| Annual fee | Rs 250 | Rs 495 |
| Fee waiver spend | - | Rs 40,000 |
| Reward type | EDGE Reward Points And Merchant Discounts | Membership Rewards |
| Best for | Zomato, Blinkit, Bookmyshow, Utility Bills | Online, Entry Level, Shopping, Amazon, Zomato |
| Top reward categories | Eligible Spends: 1 EDGE REWARD Point / ₹200 spent | Partner Merchants: 10 Membership Rewards Points / ₹50 spent on select 10X merchants; Amazon: 5 Membership Rewards Points / ₹50 spent on Amazon; Retail: 1 Membership Rewards Point / ₹50 spent on other eligible spends |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | Vouchers worth ₹500 each on reaching spends of ₹1.20 lakh, ₹1.80 lakh, and ₹2.40 lakh in a cardmembership year |
| Redemption | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.2 per point | Air miles: upto ₹ 0.6 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | fuel, insurance, utilities, cash transactions, EMI conversion at point of sale, balance transfers |