LIFETIME FREE CREDIT CARD WITH OFFERS ON DINING, MOVIES, GROCERIES, UTILITY BILLS

Axis Bank NEO Credit Card

Axis Bank NEO Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Blinkit - 10% discount (up to ₹250), once a month | Minimum order of ₹999 required
✔︎
Zomato - ₹120 discount, 2 times per month | Minimum order of ₹499
✔︎
Utility bills through Paytm - 5% cashback (up to ₹150), once per month - mobile recharge, broadband, DTH
✔︎
BookMyShow movie tickets - 10% discount (up to ₹100 per month)
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer: Nil

Lifetime free credit card (no annual fee credit card) - limited time offer 

Zomato Discount Offer

  • Discount: ₹120 off on Zomato orders
  • Frequency: 2 times per month
  • Minimum Order: ₹499
  • Effective Discount: 24% on orders of ₹500

EazyDiner Restaurant Benefits

  • Discount: 15% off (up to ₹500)
  • Minimum Order: ₹2,500
  • Frequency: 1 time per month
  • Payment Method: Through EazyDiner app (PayEazy)

Blinkit Grocery Discount

  • Discount: 10% off (up to ₹250)
  • Frequency: 1 time per month
  • Minimum Order: ₹750

Myntra Shopping Discount

  • Discount: ₹150 off on select styles
  • Minimum Order: ₹999
  • Usage Limit: Once per customer

Cashback on Utliity Bills through Paytm

  • Eligible Bills: Mobile recharge, broadband, DTH
  • Cashback: 5% (up to ₹150)
  • Minimum Transaction: ₹299
  • Frequency: 1 time per month

BookMyShow Movie Discount

  • Discount: 10% off (up to ₹100 per month)
  • Frequency: Unlimited transactions

EDGE Reward Points on Card Spending

  • Earning Rate: 1 EDGE point per ₹200 spent
  • Point Value: ₹0.20 per point
  • Effective Return: 0.10% on all other purchases
  • Redemption: Gift vouchers, products via EDGE Rewards platform
  • Important Exclusions: Utilities, education, insurance, government, wallet, rent, fuel transactions

Axis Bank Partner Offers

  • Grab Deals Cashback: Up to ₹1,000 cashback per month, across partner merchants
  • Gift Voucher Discounts: Special rates on select vouchers
  • Seasonal Offers: Regular promotional deals on various categories
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Who Should Apply for Axis Bank NEO Credit Card?

Ideal Candidates

  • First-time credit card users looking for a reliable starter card
  • Budget-conscious shoppers who want guaranteed savings, with no annual fee
  • Regular Zomato/Blinkit users who can maximize dining and grocery benefits
  • Young consumers starting their credit journey
  • Existing Axis Bank customers with pre-approved offers

Not Ideal For

  • Heavy spenders who need higher benefit limits, and higher rewards on non-promotional categories
  • Frequent travellers requiring lounge access and travel benefits
  • Premium lifestyle users who prefer luxury card features

To read the full review of the card , please click here

LIFETIME FREE CARD WITH LOUNGE ACCESS AND REWARDS ON UPI TRANSACTIONS

Fibe Axis Bank RuPay Credit Card

Fibe Axis Bank RuPay Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free, UPI enabled
✔︎
Domestic airport lounge access - 4 times per year
✔︎
3% cashback on online food delivery, local commute, entertainment. 1% cashback on other spends. Maximum cashback - ₹1500 per month
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: Nil

UPI-Enabled RuPay Credit Card with Zero Annual Fee

Airport Lounge Access

  • 4 domestic lounge visits per year
  • Spending requirement: ₹50,000 in previous 3 calendar months 

Up to 3% Cashback on Card Spending

Premium Categories (3% Cashback)

  • Online food delivery
  • Local commute
  • Entertainment
  • Earn ₹3 cashback per ₹100 spent

General Spending (1% Cashback)

  • Other eligible purchases
  • Earn ₹1 cashback per ₹100 spent

Monthly Limits

  • Maximum cashback: ₹1,500 per month across all categories

Exclusions & Restrictions (No Cashback Categories)

  • Wallet reloads & rental payments
  • Cash withdrawals & fuel purchases
  • Gift cards & insurance
  • Jewelry & government services
  • Education fees & EMI transactions
  • UPI transactions below ₹2,000

Fuel Benefits

  • 1% fuel surcharge waiver up to ₹400 per month
  • Valid only on fuel transactions between ₹400-₹5,000
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Benefits

  • Lifetime free card, UPI enabled
  • Good starter card

Drawbacks to consider

  • You can get comparatively higher reward rates on your card spending, especially on large purchases like travel and shopping

To read the full review of the card , please click here

Kiwi Axis Bank UPI Credit Card - LIFETIME FREE CARD, UPI ENABLED

Axis Bank KWIK RuPay Credit Card

Axis Bank KWIK RuPay Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free, UPI enabled card
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: Nil

This Kiwi Axis UPI Credit Card charges zero annual fee, and is UPI enabled

Digital card, which can be used to make UPI payments (online as well as scan & pay), through the KIWI app and other UPI apps

0.20% reward on all card spends

  • You get 1 reward point worth ₹0.20, on every ₹100 you spend on your card
  • Exceptions : You do not get any reward points on wallet reloads, rental payments, insurance, cash withdrawals, fuel spends, jewelry, government services, education, EMI transactions, UPI transactions of less than ₹2000

Fuel surcharge waiver (up to ₹150 per month), valid only on fuel transactions between ₹400 and ₹4000

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Benefits

  • Lifetime free card, UPI enabled
  • Good starter card

Drawbacks to consider

  • You can get comparatively higher reward rates on your card spending

To read the full review of the card , please click here

HIGH REWARDS (3% CASHBACK) ON UPI SPENDS

Axis SuperMoney RuPay Credit Card

Axis SuperMoney RuPay Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
3% cashback on "Scan & Pay" UPI transactions through super.money app (up to ₹500 per month)
✔︎
1% cashback on non-UPI transactions
✔︎
Lifetime free card (zero annual fee)
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: Nil

3% Reward on UPI Transactions via Super.money App

  • 3% cashback on "Scan & Pay" UPI transactions
  • Monthly cashback limit: ₹500 (reached at ₹16,667 spending)

1% Reward on Non-UPI Transactions

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on fuel transactions between ₹400-₹4,000
  • Maximum waiver: ₹400 per month

Important Exclusions: No Cashback given on-

  • Repayments & EMI transactions
  • Utility & telecom services
  • Fuel purchases (except surcharge waiver)
  • Jewelry, watches & silverware stores
  • Cash withdrawals & wallet loads
  • Insurance & education services
  • Government services & financial institutions
  • Rental payments

UPI Transaction Guidelines

Allowed UPI Usage

  • Merchant payments through UPI network
  • Standard retail and service transactions

UPI Restrictions: Cannot be used for - 

  • Person-to-person (P2P) transfers
  • Person-to-person merchant (P2PM) transactions
  • Digital account opening & lending platforms
  • Cash withdrawal (merchant/ATM)
  • ERUPI, IPO applications
  • Foreign inward remittances
  • Mutual fund investments
  • Other categories as restricted by Axis Bank
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Advantages

  • Industry-leading 3% cashback rate on UPI spends, especially for lifetime free credit cards
  • Lifetime free card
  • Both physical and digital card options
  • Simple reward structure
  • Broad acceptance across payment channels within India (Non-Visa & Non-Mastercard network)

Drawbacks to Consider

  • No premium lifestyle benefits
  • Limited to UPI transactions for optimal rewards, would need to pair up with other cards to earn high rewards on non-UPI spends
  • Monthly cashback cap (₹500)

To read the full review of the card , please click here
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How to Choose the Right Axis Bank Lifetime Free Credit Card

For Frequent Food Delivery Users

Choose: Axis Bank NEO (Zomato up to 40% off) 

For UPI Enthusiasts

Choose: Axis SuperMoney (3% reward on 'Scan & Pay' UPI transactions) 

Explore More: Best lifetime free credit cards in India 

Complete Application Guide

Step-by-Step Application Process

  1. Check Eligibility: Verify income and age requirements
  2. Gather Documents: PAN, Aadhaar, income proof, bank statements
  3. Visit Official Website: Use bank's official application portal
  4. Fill Application: Provide accurate personal and financial details
  5. Upload Documents: Submit clear, legible document copies
  6. Verification: Bank will verify details and documents
  7. Approval: Receive card within 7-10 working days

Required Documents Checklist

Identity Proof:

  • PAN Card (mandatory)
  • Aadhaar Card
  • Passport/Driving License

Address Proof:

  • Aadhaar Card
  • Utility bills (not older than 3 months)
  • Bank statements

Income Proof:

  • Salary slips (last 3 months)
  • ITR/Form 16
  • Bank statements (last 6 months)

Bottom Line: Which Card Should You Choose?

For most users, we recommend the Axis Bank NEO Credit Card due to its comprehensive benefits across dining, groceries, movies and utilities. The 40% Zomato discount and 10% Blinkit savings provide excellent value for everyday spending.

UPI users will find Axis SuperMoney ideal for UPI payments and cashback earning.

How Our Money Guide Works

  • Wide Range of Credit Cards: Our Money Guide brings together a wide range of credit cards from the industry. This helps you choose from a wider bucket and make informed decisions.
  • Quick & Easy Comparison: Our Money Guide makes it easy to compare credit cards on the most important parameters like fees, benefits, eligibility, and annual fee-related offers.
  • Expert Insights: Our Money Guide's team has deep experience in consumer finance. This helps you get honest reviews and trusted information on the most important decision-making parameters, helping you choose better.
  • Simplified Application Process: Our Money Guide website pages contain Apply Now buttons at relevant spots, which help you apply easily from the comfort of your home or office.

Frequently Asked Questions

Yes, Axis Bank NEO credit card is offered as a limited-time lifetime free offer with zero annual fees for the card's entire duration.

Absolutely! Fibe Axis RuPay is UPI-enabled and can be used for scan-and-pay transactions, online UPI payments, and all UPI-supported platforms.

Axis Bank hasn't specified minimum income requirements for these lifetime free cards, making them accessible to a broader range of applicants.

Yes, most Axis Bank credit cards offer EMI conversion facilities on purchases above ₹2,500, subject to terms and conditions.

No hidden annual fees, but standard charges apply like fees for late payments, revolving balances, over-limit usage, cash advances, and foreign transactions.

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