Eligible spend
1 per ₹200 on eligible spend
AXIS VISA
Neo
Card summary
Rewards 1 EDGE Reward Points / ₹200
Lounge access 0 no lounge
Forex markup 3.5% high
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 EDGE Reward Points / ₹200Credited as reward pointsDoes not earn on Not stated
- card repayment
- cash advance
- education
- fuel
- government
- insurance
- rent
- telecom
- utility
- wallet load
Redemption value
What an EDGE Reward Point is worth
- Catalogue₹0.2 / pt
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹0.2 per point
Catalogue
No reward on
- Rent
- Education
- Government payments
- Wallet loads
- +6 more
Realisation
Credited as reward points
Costs & fees
Watch outs
Before choosing this card- Forex markup is 3.5%, so frequent international spends may be costly.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ~250 EDGE Reward Points/month if the entire spend qualifies for base earn · uses base/general earn rate. Excluded transactions earn less.
- Worth ~₹50 at the conservative redemption floor
- Fee waiver conditions unclear — verify
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
- International (cardholder)
- Not included on base card Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Issuer site (verified manually) , opens external site
- Operator-verified anchor
Rewards
- Reward points (base spend)
- 1 per ₹200 value depends on redemption
- Effective return (honest floor)
- ~0.1% base (conservative redemption) · verified 7 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.20 per (Catalogue) · verified 7 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Joining fee
- ₹250 (eligibility unresolved) · verified 7 Jul 2026
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Axis official page
- CardInsider
- BankBazaar
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
- Product tier
- Entry-level
Travel & perks
Fuel Benefits
At the pump- No fuel surcharge waiver is available on this card.
- Fuel transactions do not earn reward points.
Fine print & compare
The fine print
Caps · exclusions · earning · redemption · last refreshExclusions: 10
These spends do not earn reward points.
Payments
- Rent
- Education
- Government payments
Financial
- Wallet loads
- Insurance premiums
- Fuel
- Cash advances
Utilities
- Utilities
Other
- Telecom
- Repayments
Latest update
- Forex markup currently listed at 3.5%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 3.5%, so frequent international spends may be costly.
Is the annual fee easy to recover?
Value depends on usage and waiver terms. GST may apply on the annual fee.
Learn more
Guides matched to this card — not a random syllabus.
- EDGE Rewards
Miles vs points under one programme - How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly