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
Airtel Credit Card
Rs 500Annual fee
Rs 2,00,000Fee waiver spend
0Domestic lounge
Domestic lounge conditions
- Effective 12 April 2026: Domestic lounge access (previously 4 visits/year with ₹50,000/3-month spend gate) has been discontinued.
3.5%Forex markup
Best for
Airtel, Utility Bills, Zomato, Blinkit, Cashback
Top rewards
Zomato And Blinkit (min ₹499/Order, Value Into Partner Wallet): 10% value-back; Airtel Recharges And Bill Payments Via Airtel Thanks App: 25% cashback; Utility Bill Payments Via Airtel Thanks App: 10% cashback
| Feature | Neo Credit Card | Airtel Credit Card |
|---|---|---|
| Issuer | Axis Bank | Axis Bank |
| Network | RuPay, Visa | Mastercard |
| Joining fee | Rs 250 | Rs 500 |
| Annual fee | Rs 250 | Rs 500 |
| Fee waiver spend | - | Rs 2,00,000 |
| Reward type | EDGE Reward Points And Merchant Discounts | Cashback |
| Best for | Zomato, Blinkit, Bookmyshow, Utility Bills | Airtel, Utility Bills, Zomato, Blinkit, Cashback |
| Top reward categories | Eligible Spends: 1 EDGE REWARD Point / ₹200 spent | Zomato And Blinkit (min ₹499/Order, Value Into Partner Wallet): 10% value-back; Airtel Recharges And Bill Payments Via Airtel Thanks App: 25% cashback; Utility Bill Payments Via Airtel Thanks App: 10% cashback |
| 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 | Not Listed |
| Redemption | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.2 per point | Not Listed |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | fuel, rent, wallet loading transactions, EMI transactions, purchases converted to EMI post facto, purchase of jewellery items |