Axis Bank Neo Credit Card Vs Ace Credit Card

Axis bank Neo Vs Axis Bank Ace


Axis Bank is a leading bank that offers a wide range of credit cards. In this article, we have compared Axis Bank Neo credit card and Axis Bank Ace credit card. Both credit cards are ideal for first-time credit card users. You need to first analyze your needs and spending habits so that you can choose the card that compliments them. Having the right credit card helps you maximize its benefits. Without any further ado, hereunder is the comparison between these two credit cards on the basis of their fees, features, and benefits. Keep reading to kick start your research.

Axis Bank Neo Credit Card

This one is an entry-level credit card that lets you earn 1 Edge points on every Rs. 200 spent. The Axis Bank Neo credit card offers you welcome benefits, shopping benefits, and movie and dining benefits. Here are the key features and benefits of this credit card.

Joining Fee: Rs. 250 plus applicable taxes

Renewal Fee: Rs. 250 plus applicable taxes

Spend-Based Waiver: N/A

Features and Benefits:

  • Get complimentary Subscriptions to various platforms like Zomato, Grofers, etc, and an Amazon Gift voucher worth Rs. 250 as a welcome offer with this card.

  • Earn 1 EDGE point on every Rs. 200 spent using this credit card.

  • Enjoy 4 complimentary domestic airport lounge access every year with this card.

  • Save up to 15% on dining bills at partner restaurants under the Axis Bank Dining Delights program.

  • Get 10% off on booking movie tickets from BookMyShow. 

  • Get a 1% fuel surcharge waiver on fuel transactions between Rs. 400 - Rs. 4,000. 


Axis Bank Ace Credit Card

Another entry-level credit card is offered by Axis Bank. With the Axis Bank Ace Credit Card, you get to earn cashback on various spend categories and travel benefits as well. Here are the key highlights of this credit card. 

Joining Fee: Rs. 499 plus applicable taxes

Renewal Fee: Rs. 499 plus applicable taxes

Spend-Based Waiver: The joining fee will be waived off on spending Rs. 10,000 within 45 days of card issuance and the renewal fee will be waived off on spending Rs. 2 lakhs in the previous year.

Features and Benefits:

  • Earn 5% cashback on bill payments and recharges done through Google Pay.

  • Earn 4% cashback on Zomato, Swiggy, and Ola.

  • Earn 2% cashback on all other spending.

  • Enjoy 4 complimentary domestic airport lounge access every year.

  • Save up to 20% on dining bills at partner restaurants under the Axis Bank Dining Delights Program.

  • Get a 1% fuel surcharge waiver on fuel transactions between Rs. 400 - Rs. 4,000. 


Bottom Line:

To summarize, both cards are ideal for first-time credit card users. However, on the Axis Bank Neo credit card, you get to enjoy travel benefits also as compared to the Axis Bank Ace credit card. Moreover, the joining fee of Axis Bank Neo credit card is less than the Ace credit card. It all depends on your needs, choose the one which card suits them best. 

Do share your experience with these credit cards in the comment section.


Additional Reading: Factors To Compare Credit Cards

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