{
  "id": "axis-neo-credit-card",
  "locale": "hi",
  "name": "Neo Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹250 + GST (अक्सर लाइफटाइम फ्री / LTF उपलब्ध)",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "Zomato पर 40% छूट · Blinkit पर 10% छूट · Myntra पर 10% छूट · Amazon Pay पर 5%",
  "bestFor": "Zomato फूड डिलीवरी, Blinkit क्विक-कॉमर्स ग्रॉसरी और Myntra शॉपिंग",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-bank-neo-credit-card",
  "aiVerdict": {
    "score": 4,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.1,
  "affiliateId": "axis-neo-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — Neo Credit Card schedule of charges",
    "Zomato, Blinkit & Myntra — Axis Neo instant checkout discount terms"
  ],
  "feeWaiver": "₹1 लाख वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Zomato फूड",
      "value": "40% छूट ₹120 तक (2x/माह)"
    },
    {
      "key": "Blinkit ग्रॉसरी",
      "value": "10% छूट ₹250 तक / माह"
    },
    {
      "key": "Myntra फैशन",
      "value": "10% छूट ₹500 तक"
    },
    {
      "key": "Amazon Pay बिल",
      "value": "5% छूट ₹150 तक / माह"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹250 + GST (या LTF)"
    },
    {
      "key": "RuPay UPI",
      "value": "UPI सक्षम"
    }
  ],
  "earnRates": [
    {
      "category": "Zomato फूड डिलीवरी",
      "rate": "40% तुरंत छूट",
      "monthlyCap": "₹240 / माह (2 ऑर्डर)",
      "perLakhSpent": "चेकआउट पर तुरंत छूट"
    },
    {
      "category": "Blinkit क्विक-कॉमर्स",
      "rate": "10% तुरंत छूट",
      "monthlyCap": "₹250 / माह",
      "perLakhSpent": "चेकआउट पर तुरंत छूट"
    },
    {
      "category": "Myntra फैशन शॉपिंग",
      "rate": "10% तुरंत छूट",
      "monthlyCap": "₹500 / माह",
      "perLakhSpent": "चेकआउट पर तुरंत छूट"
    },
    {
      "category": "सामान्य घरेलू खरीदारी",
      "rate": "0.1% (1 EDGE / ₹200)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "500 EDGE (₹100 value)"
    },
    {
      "category": "किराया और ईंधन",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Zomato फूड डिलीवरी",
      "multiplier": "40% Off",
      "rate": "₹120 तक छूट",
      "monthlyCap": "2 ऑर्डर / माह",
      "dailyCap": "—",
      "note": "₹200 के न्यूनतम ऑर्डर पर।"
    },
    {
      "channel": "Blinkit क्विक-कॉमर्स",
      "multiplier": "10% Off",
      "rate": "₹250 तक छूट",
      "monthlyCap": "1 ऑर्डर / माह",
      "dailyCap": "—",
      "note": "₹750 के न्यूनतम ऑर्डर पर।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "ब्रांड वाउचर्स और गिफ्ट कार्ड्स",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट क्रेडिट (कैशबैक)",
      "value": "₹0.20 / पॉइंट",
      "minPoints": "2,500 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खरीद।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹250 + GST (पहले ट्रांजैक्शन पर ₹250 Amazon वाउचर)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹250 + GST (₹1 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.75% प्रति माह (52.86% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "18 से 70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹15,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}