The ultimate card for Generation Go

Rewards in Bitcoin

Interest-free credit

Auto-investment in Gold

Zero fee

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100% digital signup. Get your virtual card in less than 5 minutes.  

01

Every spend is now an Investment

Earn up to 5% cashback in Bitcoin on every transaction.

Your Bitcoin never expires and appreciates in value.

Redeem for cash at prevailing Bitcoin rates anytime. 

Make a purchase with your NEO Ultra card anywhere

Bitcoin rewards are instantly deposited on your behalf in a secure wallet.

Hold your Bitcoin as long as you like or redeem it.

02

Add some glitter to your portfolio

Round off spend transactions and auto invest in gold.

Passively invest in a stable asset class with 100% security.

Buy and sell digital gold or get it home delivered.

03

Instant, interest-free credit for every need

Avail instant credit for 15 days with no interest.  

Pay back any time within 15 days at your convenience.

No hidden fees or prepayment charges.

04

Make sense of cash flows with intelligent insights

Track all expenditures in one place. No more mystery.

Analyze a category-wise breakup of all your spends.

Gain intelligent insights into your spending habits.

05

Peace of mind is now a feature

The NEO platform is compliant with international security standards. 

All personal and transaction data is protected with bank-grade encryption protocols. 

Manage payment methods, set limits, and lock your NEO Ultra card from your phone.

01

Every spend is now an Investment

Earn up to 5% cashback in Bitcoin on every transaction.

Your Bitcoin never expires and appreciates in value.

Redeem for cash at prevailing Bitcoin rates anytime.

02

Add some glitter to your portfolio

Round off spend transactions and auto invest in gold.

Passively invest in a stable asset class with 100% security.

Buy and sell digital gold or get it home delivered.

03

Instant, interest-free credit for every need

Avail instant credit for 15 days with no interest.  

Pay back any time within 15 days at your convenience.

No hidden fees or prepayment charges.

04

Make sense of cash flows with intelligent insights

Track all expenditures in one place. No more mystery.

Analyze a category-wise breakup of all your spends.

Gain intelligent insights into your spending habits.

05

Peace of mind is now a feature

The NEO platform is compliant with international security standards.

All personal and transaction data is protected with bank-grade encryption protocols. 

Manage payment methods, set limits, and lock your NEO Ultra card from your phone.

How rewards work?

Make a purchase with your NEO Ultra card anywhere.

Bitcoin rewards are instantly deposited on your behalf in a secure wallet.

Hold your Bitcoin as long as you like or redeem it.

Testimonials

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This is the card I never knew I needed. I’ve now started building an investment portfolio without even realizing it. Seamless.

Feroz Shah

Software Developer
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Before getting my NEO Ultra card, keeping track of my monthly expenses was quite complicated. Now I just use the card for everything and check insights on the app

Deeksha Patel

Bank Employee
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Cashbacks in Bitcoin are probably the best way to get exposure to crypto. This card has changed my perception of what a piece of plastic in my wallet can be capable of. 

Avantika Varma

Fashion Designer
FAQ
What is NEO?

NEO is a financial service platform built for a digitally native generation. NEO’s product offerings are tailored to provide a seamless, future-proof experience that will reshape how people interact with money and create wealth. 

Is the NEO Ultra card a credit card?

No. NEO Ultra is a prepaid card that needs to be pre-loaded to function like a debit card, but provides instant credit without the associated fees and interest rates of a credit card. We designed it specifically to minimize risk while maximising convenience. 

How do I get Bitcoin rewards on the NEO card?

NEO Ultra offers a reward rate of up to 5% in Bitcoin for early adopters for every transaction made with your card. The corresponding amount of Satosh1is (the smallest unit of Bitcoin) are allocated to you and held in a shared wallet operated by NEO. Whenever you choose to redeem your Satoshis (SATS), we will credit the amount based on the current Bitcoin rate straight to your NEO Ultra Card. 

Ex: You make a payment of ₹5000 with your NEO Ultra. You will receive SATS worth ₹250 (5%) will be allocated to you. 

In case the price of Bitcoin doubles when you choose to redeem your SATS, we’ll sell the corresponding holdings and credit ₹500 to your NEO Ultra card.

Can I transfer earned SATS to my personal crypto wallet?

No. We currently do not offer this functionality. 

How do gold investments work on NEO?

You can invest in digital gold in two ways with NEO. By enabling the Auto-Invest feature in the NEO app, your Ultra card will intelligently round off your purchases to the nearest ₹10 and invest the balance in gold. You can view and redeem these holdings or pause Auto-Invest at any time. 

Ex: You make a transaction of ₹52 while Auto-Invest is enabled. NEO will debit ₹60 from your Ultra card, complete the payment, and invest ₹8 in digital gold for you. 

The second way is to buy or sell digital gold in a quantity of your choice from the NEO app. You can also choose to have your holdings home delivered safely by our partner Safegold. 

How is my interest-free credit limit calculated?

NEO’s instant credit feature is only available after you use NEO for one month. In this time, our app intelligently analyses your cash inflow and spending pattern to build a micro credit profile. This data is used to determine your credit eligibility and instant credit of the amount determined is made available in your second month of using NEO. The data collected is used only for building this profile, and is not shared or sold to any third party. 

Is NEO Free?

Creating a NEO account and signing up is free as of now.