# Axis Bank Neo Credit Card

**Best for:** Frequent utility bill payers

**Think twice if:** Rarely use credit cards for payments

**Key strengths:** 100% cashback on first utility bill payment · Earn reward points on every purchase · Low annual fee after first year

## Fees

- **Joining Fee:** Joining Fee of Rs. 250
- **Annual Fee:** Second Year Onwards Annual Fee of Rs.250
- **Forex Markup:** 3.5% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 1 Reward Point For Rs.200
- **Welcome Benefit:** 100% Cashback Upto Rs.300 on First Utility Bill Payment

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