Axis Bank Horizon Credit Card

Name: Axis Bank Horizon Credit Card
Brand: Axis Bank
Price: 3000 INR
Availability: InStock
Rating: 4 (1 reviews)

Overview

Axis Bank Horizon Credit Card is a travel-focused card priced at ₹3,000 annually, earning EDGE Miles where 1 mile equals ₹1 in value. The 5x accelerated rate on the Travel EDGE portal and direct airline websites delive₹5% return on travel purchases, while the 2 miles per ₹100 base rate provides a solid 2% return on all other eligible spending.The lounge programme is the card's strongest feature. Cardholders get 2 international airport lounge visits per quarter (8 annually) and 8 domestic visits per quarter on Visa (32 annually) or 6 per quarter on Mastercard (24 annually). This level of lounge access at a ₹3,000 fee is exceptionally competitive compared to cards costing twice as much.Welcome benefits include 5,000 EDGE Miles (worth ₹5,000) on the first transaction of ₹1,000 or above within 30 days, and 1,500 renewal miles every anniversary year. Lost card liability cover of ₹10 lakh, the Dining Delights programme, and Wednesday deals on MakeMyTrip, Swiggy, and Tira round out the lifestyle package.The card works best for travellers who earn and redeem miles regularly. The 3.5% foreign currency markup (plus 1.5% DCC on select transactions) and 1% surcharges on rent, fuel (above ₹50K), wallet loads (above ₹10K), and utilities (above ₹25K) per cycle are costs that frequent domestic and international travellers should factor in.

Pros

↑2 EDGE Miles per ₹100 on all spends (2% base return) and 5 miles per ₹100 on travel deliver high earn rates for a ₹3,000 annual fee card
↑8 international and up to 32 domestic lounge visits per year is among the most generous lounge programmes available at this price point
↑5,000 welcome EDGE Miles (worth ₹5,000) plus 1,500 renewal miles annually mean the card pays for itself in the first year

Cons

↓3.5% foreign currency markup plus 1.5% DCC fee significantly reduces the value of international purchases despite the travel-card positioning
↓No explicit annual fee waiver option means the ₹3,000 cost is fixed regardless of spending volume
↓1% surcharges on rent, wallet loads (above ₹10K), fuel (above ₹50K), and utilities (above ₹25K) per cycle reduce value for users with heavy spending in these categories

Key Highlights

Welcome Offer
5,000 EDGE Miles worth ₹5,000 on first transaction
5,000 EDGE Miles on first transaction ≥ ₹1,000
Must transact within 30 days of card issuance
1 EDGE Mile = ₹1 in value
1,500 renewal miles every anniversary year

Reward Rate
5 EDGE Miles per ₹100 on travel, 2 on all spends
5x on Travel EDGE portal and direct airline websites
2 miles per ₹100 on all other eligible spends
1 EDGE Mile = ₹1 value
Excludes rent, fuel, insurance, utilities, wallet, gaming

Minimum Salary
18-70 years, Indian resident
Age: 18 to 70 years
Must be resident of India
PAN card required
Income proof required

Joining Fee
₹3,000 + GST
Joining fee: ₹3,000 + GST
Add-on card: free
No joining fee waiver mentioned

Annual Fee
₹3,000 + GST per year
Annual fee: ₹3,000 + GST
No explicit fee waiver mentioned
Add-on card: free
Value easily recovered through miles and lounge access

Why Choose?
Up to 32 domestic and 8 intl lounge visits yearly
2 international lounge visits per quarter (8/year)
8 domestic visits per quarter on Visa (32/year)
6 domestic visits per quarter on Mastercard (24/year)
5% return on travel purchases via EDGE Miles

Key Benefits

Dining

★2.5

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Axis Bank Dining Delights at premium restaurants across India
Wednesday Delight: 10% off Swiggy, 10% off Tira
15% off flights and hotels via MakeMyTrip on Wednesdays

Fuel

★3.0

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1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Maximum benefit capped at ₹400 per statement month
GST on fuel surcharge is non-refundable
1% fee on cumulative fuel spends above ₹50,000 per cycle

Travel

★4.0

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5 EDGE Miles per ₹100 on Travel EDGE portal and airline websites (5% return)
2 EDGE Miles per ₹100 on all other spends (2% return)
1 EDGE Mile = ₹1 in value
Miles redeemable on EDGE portal for flights, hotels, and experiences

Airport Lounge Access

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2 international airport lounge visits per calendar quarter (8/year)
8 domestic lounge visits per quarter on Visa (32/year)
6 domestic lounge visits per quarter on Mastercard (24/year)
No minimum spend condition for lounge access

Insurance

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Lost card liability cover of ₹10 lakh
Covers unauthorized transactions after reporting loss

Detailed Information

Joining Fee	₹3,000 + GST (add-on: free)
Annual Fee	₹3,000 + GST (add-on: free)
Annual Fee Waiver	Not specified
Monthly Percentage Rate	3.75%
Annual Percentage Rate	55.55%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.5% + 1.5% DCC markup on select transactions
Late Payment Charges	NIL up to ₹500; ₹500 (₹501-₹5,000); ₹750 (₹5,001-₹10,000); ₹1,200 (above ₹10,000). Extra ₹100 for missing MAD two consecutive cycles
Overlimit Charges	2.5% of overlimit amount (min ₹500)
Cash Advance Fee	2.5% of amount (min ₹500)
Card Replacement Fee	NIL
Fee For Duplicate Statement	NIL
Fee For Cheque Bounce	2% of payment amount (min ₹500)

Age Requirement Salaried	18-70 years
Age Requirement Self Employed	18-70 years
Minimum Annual Income Salaried	Not specified (bank discretion)
Minimum Annual Income Self Employed	Not specified (bank discretion)
Minimum Credit Score	Not specified (bank discretion)

Identity Proof	PAN Card (mandatory)
Address Proof	Driving License, Electricity Bill, or Landline Telephone Bill
Income Proof Salaried	Latest payslip, Form 16, IT return, or Form 60
Income Proof Self Employed	IT return or equivalent income proof

Frequently Asked Questions

The joining fee and annual fee are both ₹3,000 plus GST. Add-on cards are free. No explicit annual fee waiver is mentioned in the card terms.

1 EDGE Mile equals ₹1 in value. You earn 5 EDGE Miles per ₹100 on the Travel EDGE portal and direct airline websites, and 2 EDGE Miles per ₹100 on all other eligible spends.

You receive 5,000 EDGE Miles worth ₹5,000 on your first transaction of ₹1,000 or above within 30 days of card issuance.

You receive 1,500 EDGE Miles worth ₹1,500 on completion of each anniversary year.

You get 2 international airport lounge visits per quarter (8 per year). Domestic visits are 8 per quarter on Visa (32 per year) or 6 per quarter on Mastercard (24 per year).

No. The Horizon card lounge access does not require any minimum spend, unlike many other Axis Bank cards where lounge access is conditional on quarterly spending.

The base rate of 2 EDGE Miles per ₹100 gives a 2% return since 1 EDGE Mile equals ₹1. The accelerated rate of 5 miles per ₹100 on travel gives a 5% return.

Purchases on the Axis Bank Travel EDGE portal and direct airline websites earn 5 EDGE Miles per ₹100. All other eligible spends earn 2 EDGE Miles per ₹100.

Yes. A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000 at all fuel stations. Maximum benefit is ₹400 per statement month. GST on fuel surcharge is non-refundable.

The card provides lost card liability cover of ₹10 lakh, which protects against unauthorized transactions after you report the card as lost or stolen.

The foreign currency transaction fee is 3.5% of the transaction value. An additional DCC markup of 1.5% plus taxes applies on international transactions processed in Indian currency.

Access to the Axis Bank Dining Delights programme at premium restaurants across India, plus Wednesday Delight offers including 10% off on Swiggy and Tira.

Every Wednesday, cardholders get up to 15% off on flights and hotels via MakeMyTrip, 10% off on Swiggy orders, and 10% off up to ₹1,000 on Tira beauty products.

Yes. The Visa variant offe₹8 domestic lounge visits per quarter (32/year), while the Mastercard variant offe₹6 per quarter (24/year). International lounge visits are the same at 2 per quarter for both.

NIL if outstanding is under ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 above ₹10,000. Extra ₹100 for missing MAD two consecutive cycles.

Yes. A 1% rent surcharge applies on each rental transaction (MCC 6513). GST is applicable on this surcharge.

Rent, fuel, insurance, utilities, telecom, wallet loads, education payments via third-party apps, government services, and online gaming are excluded or subject to surcharges.

The primary cardholder must be between 18 and 70 years of age and a resident of India.

PAN card, proof of income (latest payslip, Form 16, IT return, or Form 60), and residence proof (driving licence, electricity bill, or telephone bill).

EDGE Miles can be redeemed on the Axis Bank EDGE portal for flights, hotels, and experiences. Transfer to partner airline programmes may be available through the EDGE rewards catalogue.

No explicit annual fee waiver is mentioned in the card terms. However, the ₹5,000 welcome miles and ₹1,500 renewal miles easily exceed the annual fee cost.

Domestic lounge visits are available at select airports. Visa cardholders get 8 visits per quarter, while Mastercard holders get 6. These reset each calendar quarter.

Cash withdrawal costs 2.5% of the amount (minimum ₹500). Finance charges of 3.75% per month (55.55% per annum) apply from the date of withdrawal.

A 1% fee applies on wallet loads above ₹10,000 per cycle. For utilities, a 1% fee applies on cumulative spends above ₹25,000 per statement cycle.

Horizon costs ₹3,000 versus Atlas at ₹5,000. Horizon has higher domestic lounge visits (up to 32 vs 18) but fewer international visits (8 vs 12 at Platinum tier). Atlas has a tiered membership system with airline transfer options.