{
  "id": "axis-neo-credit-card",
  "locale": "hinglish",
  "name": "Neo Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹250 + GST (Often Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "40% on Zomato · 10% on Blinkit · 10% on Myntra · 5% on Amazon Pay",
  "bestFor": "Zomato food delivery, Blinkit quick-commerce & Myntra fashion discounts",
  "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 Lakh annual spend pe fee waived",
  "networks": [
    "Visa",
    "Mastercard",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Zomato Food",
      "value": "40% off up to ₹120 (2x/mo)"
    },
    {
      "key": "Blinkit Groceries",
      "value": "10% off up to ₹250 / mo"
    },
    {
      "key": "Myntra Fashion",
      "value": "10% off up to ₹500"
    },
    {
      "key": "Amazon Pay Bills",
      "value": "5% off up to ₹150 / mo"
    },
    {
      "key": "Annual Fee",
      "value": "₹250 + GST (or LTF)"
    },
    {
      "key": "RuPay UPI",
      "value": "UPI enabled"
    }
  ],
  "earnRates": [
    {
      "category": "Zomato Food Delivery",
      "rate": "40% Instant Off",
      "monthlyCap": "₹240 / month (2 orders)",
      "perLakhSpent": "Checkout pe direct discount"
    },
    {
      "category": "Blinkit Quick Commerce",
      "rate": "10% Instant Off",
      "monthlyCap": "₹250 / month",
      "perLakhSpent": "Checkout pe direct discount"
    },
    {
      "category": "Myntra Fashion",
      "rate": "10% Instant Off",
      "monthlyCap": "₹500 / month",
      "perLakhSpent": "Checkout pe direct discount"
    },
    {
      "category": "General Domestic Retail",
      "rate": "0.1% (1 EDGE / ₹200)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "500 EDGE (₹100 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Zomato Food Delivery",
      "multiplier": "40% Off",
      "rate": "Up to ₹120 off",
      "monthlyCap": "2 orders / month",
      "dailyCap": "—",
      "note": "Valid on min order value of ₹200."
    },
    {
      "channel": "Blinkit Quick Commerce",
      "multiplier": "10% Off",
      "rate": "Up to ₹250 off",
      "monthlyCap": "1 order / month",
      "dailyCap": "—",
      "note": "Valid on min order value of ₹750."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Gift Cards",
      "value": "₹0.20 / pt",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.20 / pt",
      "minPoints": "2,500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹400–₹4,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹250 + GST (₹250 Amazon voucher on 1st transaction)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹250 + GST (Waived at ₹1 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (52.86% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18–70 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹15,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}