Neo World Mastercard^®

The Neo World Mastercard^® is Neo Financial’s no-fee cash back card. Cardholders choose one of three rewards plans at signup — Gas & Grocery, Shop & Dine, or Everywhere — each tuned to a different spending style.

The card itself, including the $0 annual fee, $50,000 personal income requirement, and Mastercard World benefits, is the same across all three plans — only the cashback categories differ.

The Neo World Mastercard^® has no annual fee. This card does not come with a welcome bonus at this time.

A supplementary card is available at no additional cost.

The Neo World Mastercard® offers three rewards plans, chosen at signup. Each plan comes with no annual fee, the same income requirements, and the same Mastercard World benefits — only the cashback categories differ.

Neo World Mastercard® – Gas & Grocery

For households whose spending centres on groceries, fuel, and recurring bill payments.

• 2% cash back on groceries on the first $1,000 each month, then 0.5% thereafter
• 2% cash back on recurring bill payments on the first $500 each month, then 0.5% thereafter
• 2% cash back on gas and EV charging on the first $1,000 each month, then 0.5% thereafter
• 0.5% cash back on all other purchases, with no cap

Also available as a secured card with the same earning rates.

Apply for Gas & Grocery

Neo World Mastercard® – Shop & Dine

For customers who spend heavily on dining, takeout, and retail shopping.

• 2% cash back on food and drink on the first $500 each month, then 0.5% thereafter
• 2% cash back on shopping on the first $500 each month, then 0.5% thereafter
• 0.5% cash back on all other purchases, with no cap

Shopping cashback excludes Amazon and wholesale purchases. Also available as a secured card with the same earning rates.

Apply for Shop & Dine

Neo World Mastercard® – Everywhere

For customers who want simple, consistent cashback on every purchase with no categories to track.

• 1% cash back on all purchases, with no cap

Also available as a secured card with the same earning rates.

Apply for Everywhere

Monthly spend caps reset each calendar month. Cash back posts instantly to your Neo Rewards Wallet, with no minimum redemption threshold and no expiry.