Axis Neo RuPay credit card

Axis Neo RuPay

Axis Bank · Rupay

Axis Neo RuPay is a lifetime-free credit card on the RuPay network, enabling UPI credit payments across all UPI apps with cashback on digital spends.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

2X

₹1/pt

Min CIBIL

650

₹2L+ income

Key Features

RuPay network — supports UPI credit card payments on PhonePe & Google Pay
Earn EDGE Reward Points on all spends including UPI transactions
2X EDGE Rewards on UPI and online payments
1X EDGE Rewards on all offline spends
Zero fuel surcharge at all petrol pumps
Low or zero annual fee for entry-level cardholders
Contactless NFC payment enabled
Interest-free credit period up to 50 days

Welcome Benefits

✓

UPI Credit Card from Day One

Link this RuPay card to any UPI app and earn credit card reward points on everyday UPI payments

✓

Bonus EDGE Rewards on First Spend

Earn bonus EDGE Reward Points on your first transaction within 90 days of activation

Reward Rates by Category

Dining

3X

Travel

2X

Online

4X

Shopping

3X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
All UPI MerchantsUPI Payments2X
All Online MerchantsOnline Shopping2X

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death insurance for primary cardholder

₹50 Lakhs

Zero Liability

Report loss promptly

100% fraudulent charges

Pros

  • Lifetime free — zero annual fee
  • UPI credit via RuPay network
  • Cashback on online spends
  • Works with PhonePe, GPay, BHIM
  • Easy digital onboarding

Cons

  • Limited international acceptance
  • No lounge access
  • Basic benefits only

Frequently Asked Questions

Can I use this card on UPI?+
Yes — link to PhonePe, Google Pay or BHIM and pay via UPI while earning credit card EDGE Reward Points on every transaction.
What earn rate on UPI?+
2X EDGE Reward Points on UPI and online transactions. 1X on offline spends.
Is it accepted everywhere?+
All RuPay POS, QR codes and online merchants in India. International acceptance may be limited.
Annual fee?+
Low or zero annual fee — check Axis Bank's current terms for your specific variant.
Advantage over a debit card?+
Spends on credit, earn reward points, build credit score — all while using familiar UPI payments.

Ready to apply?

Apply on the Axis Bank website. Usually takes 10 minutes.

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Axis Neo RuPay

Free · 2X rewards