Skip to main content
PaisaKhoj
SearchView All Credit Cards
CREDIT CARD

Axis Bank HORIZON Credit Card

Axis Bank

Earns 2 EDGE Miles per ₹100 on most spends and 5 on Axis Bank Travel EDGE and direct airline spends, with quarterly domestic and international airport lounge visits and a 1% fuel surcharge waiver.

Joining and annual fee are ₹3,000 + GST each (Nil for eligible Burgundy Savings Account customers). Travel agent/OTA bookings earn 2 Miles; fuel, utilities, rent, insurance, education, govt, wallet/gift card, transport and toll spends earn none.

Axis Bank HORIZON Credit Card
ANNUAL FEE
₹3,000 + GST
JOINING FEE
₹3,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
5 EDGE Miles per ₹100 on Axis Bank Travel EDGE and direct airline spends, plus complimentary airport lounge visits every calendar quarter.
BEST FOR
Included: May suit travel-focused cardholders who book flights directly with airlines or on Travel EDGE and can use lounge.
Included: May suit those who book flights directly with airlines or on Axis Bank Travel EDGE.
Included: May suit frequent travellers who can use airport lounge visits every calendar quarter.
Included: May suit those who want EDGE Miles redeemable on Travel EDGE bookings or transferable to partner programmes.
Limitation: Less suited to spends mainly on fuel, utilities, rent, insurance, education, govt may wish to compare other cards.
Limitation: Those whose spends are mostly fuel, utilities, rent, insurance, education, govt may wish to compare other cards.
Limitation: Those who book flights through travel agents or OTAs may wish to compare other cards.
Limitation: Those who prefer a card without a ₹3,000 + GST joining and annual fee may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Bookings via travel agents or online travel agencies earn only 2 EDGE Miles per ₹100, not 5; airline spends are identified by merchant category code.
Condition: Welcome Miles need a first transaction of ₹1,000 or more within 30 days of issue and are not available on lifetime free cards.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
18
Maximum age
70

Fees & ownership

Joining fee
₹3,000 + GST
Annual / renewal fee
₹3,000 + GST
Fee waived at
Not stated
Forex markup
3.5%
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
8 visits per quarter — 8 visits per calendar quarter (Visa Signature); 6 per calendar quarter (Mastercard World) · ₹2 (Visa) / ₹25 (Mastercard) validation swipe, reversed; Horizon not eligible for BLR Domestic Lounge (Bengaluru T1) · Nil; the ₹50,000-in-3-months domestic lounge spend criterion is waived for Horizon
International airport lounge
2 visits per quarter — 2 visits per calendar quarter · USD 1 transaction on the card needed for access; reversed on successful authorisation; primary cardholder only · Nil; the ₹50,000-in-3-months domestic lounge spend criterion is waived for Horizon
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Axis Bank Credit Cards Domestic Airport Lounge Access Program (domestic lounges)
EVERYDAY
Fuel
1% on fuel transactions of ₹400–₹5,000; max waiver ₹400 per statement month; GST on surcharge non-refundable
Dining
Axis Bank Dining Delights programme offers at partner restaurants across India
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No miles on transport & tolls, utilities & telecom, insurance, educational and govt institutions, wallet/gift cards, rent, fuel. EMIs, cash withdrawals, fees, charges and GST do not count.; Transport & tolls, utilities & telecom, insurance, educational institutions, govt institutions, wallet/gift cards, rent and fuel earn no EDGE Miles.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 5 EDGE Miles per ₹100 on Axis Bank Travel EDGE and direct airline spends, plus complimentary airport lounge visits every calendar quarter.
Included: Earns 5 EDGE Miles per ₹100 on Axis Bank Travel EDGE and direct airline spends and 2 per ₹100 on other eligible spends.
Included: Quarterly lounge visits: 2 international, plus 8 domestic (Visa Signature) or 6 (Mastercard World); the domestic spend criterion is waived for Horizon.
Included: Lost card liability cover up to ₹10 lakh (New India Assurance) plus 1,500 EDGE Miles on renewal from the second anniversary year (not on lifetime free cards).
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
Visit bank website (opens in a new tab)

Figures last checked 31 Oct 2026 against the issuer’s published terms.