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Credit Cards · India

Axis Bank Horizon Credit Card

Updated 5 Jul 2026Source-linked

The Axis Bank Horizon Credit Card is a premium credit card from Axis Bank, with a joining fee of ₹3,000 + GST.

It earns up to 5 miles per ₹100 (≈5.0% value) on travel edge portal spends in the form of edge miles (miles).

Cardholders get 8 quarterly domestic + 2 quarterly international airport lounge access, plus 5,000 edge miles as a welcome benefit.

Axis Bank logo
Axis Bank Horizon Credit Card
Visa logo
  • Joining Fee₹3,000
  • Annual Fee₹3,000
  • Best Suited ForTravel
  • Reward TypeEDGE Miles (miles)
Rewards Rate
  • 5 miles per ₹100 on travel edge portal
  • 2 miles per ₹100 on international spend
  • Base 2.00% on other spends
Welcome Benefits
  • 5,000 EDGE Miles
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
5 miles per ₹100 on travel edge portal
2 miles per ₹100 on international spend
Base 2.00% on other spends.
Reward Redemption
Multiple (EDGE Miles transfer): Standard partners transfer 1 EDGE Mile -> 1 partner unit (1:1). Three partners added Apr-2026 (British Airways, Finnair, Vietnam LotusMiles) transfer at 2:1 — value-destroying, avoid. Marriott Bonvoy, Accor ALL and Qatar Privilege Club were REMOVED 2026-04-02. At 1:1 most non-airline transfers fall below the Rs 1.0 Travel EDGE portal floor, so the portal is often the best redemption.
Welcome Benefits
5,000 EDGE Miles
Milestone Rewards
  • ₹0 / annual: 1,500 EDGE Miles on completion of anniversary year (renewal benefit)
Domestic Lounge Access
8 visits each quarterly.
International Lounge Access
2 visits each quarterly on making spends of ₹50,000 in the previous quarterly.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 2.0% = ₹300/mo
  • Groceries₹8,000 · 2.0% = ₹160/mo
  • Dining & food delivery₹8,000 · 2.0% = ₹160/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 2.0% = ₹200/mo

    Travel & hotels — earns base; accelerated rate needs booking via edge-travel

  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹6,840/yr

₹9,840 rewards − ₹3,000 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.00% per month (36.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹400 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • premium card issued by Axis Bank.
  • Joining / annual fee of ₹3,000 + GST, waived on annual spends of ₹10,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (8/quarterly) + international (2/quarterly).

Pros & Cons

Pros
  • Annual fee waivable on ₹10,00,000 spend.
  • Strong base reward rate of 2.00%.
  • Complimentary international airport lounge access.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈5.0% on travel edge portal.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹5,000 welcome benefit

  • 5,000 EDGE Miles
    First transaction greater than or equal to ₹1,000
    Window: 30 days from issuance.

Accelerated rewards

  • 5 miles per ₹100 on travel edge portal
    5 EDGE Miles per ₹100 on direct airline and Axis Travel EDGE bookings. Rate fires only when routed through the EDGE portal.
  • 2 miles per ₹100 on international spend
Capping rules
  • No per-cycle cap on accelerated EDGE Miles earning on Travel EDGE / airline spend per the Horizon T&C (retrieved 2026-07-05); the 1.5L/yr EDGE Miles limit is a transfer/redemption cap, not an earn cap.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • insurance premiums
  • utilities

Milestone benefits

  • ₹0 / annual: 1,500 EDGE Miles on completion of anniversary year (renewal benefit) (≈ ₹1,500 value)

Airport lounge access

Domestic
8 visit(s) / quarterly. Via dreamfolks.
International
2 visit(s) / quarterly. Via priority-pass.
Unlocks after ₹50,000 / quarterly spend.
Priority Pass lounge visits activated after ₹50k spend in preceding quarter.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹400 per statement.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
750+
Income (salaried)
₹9,00,000 p.a.
Income (self-employed)
₹9,00,000 p.a.
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