Axis Bank Horizon Credit Card – Benefits, Fees & Eligibility

Introduction

The Axis Bank Horizon Credit Card is a mid-range, travel-centric credit card issued by Axis Bank, positioned as an affordable alternative to premium travel cards. It offers generous rewards and travel benefits, making it ideal for frequent flyers. Key differentiating benefits include accelerated EDGE Miles on travel bookings, complimentary access to both domestic and international airport lounges, and exclusive dining discounts. The card is available in Mastercard World and Visa Signature variants, with slight differences in domestic lounge access.

Welcome Benefits

• Receive 5,000 EDGE Miles as a welcome benefit on purchases of ₹1,000 or more within the first 30 days of card issuance.
• These 5,000 EDGE Miles can be valued at ₹5,000 if converted to partner hotels or airline points.
• This welcome benefit is not applicable for lifetime free credit cards.

Fees

• Joining Fee: ₹3,000 + GST. This fee is Nil for customers with a Burgundy Savings Account opened on or after 1st July 2026.
• Annual Fee: ₹3,000 + GST. This fee is Nil for customers with a Burgundy Savings Account opened on or after 1st July 2026.
• Spend-Based Waiver: Not applicable; there is no spend-based annual fee waiver, meaning the fee must be paid annually.
• Rewards Redemption Fee: None.
• Foreign Currency Markup: 3.5% of the transaction value on International Non DCC (Dynamic Currency Conversion) Transactions.
• Interest Rates: 3.75% Monthly (55.55% Annually).
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000, with a maximum cap of ₹400 on the waiver in a statement month. GST charged on the fuel surcharge is non-refundable.
• Cash Advance Charges: 2.5% of the transaction amount, with a minimum of ₹500.
• Late Payment Charges:
  • Nil if the outstanding amount is less than ₹500.
  • ₹500 if the outstanding amount is between ₹501 and ₹5,000.
  • ₹750 if the outstanding amount is between ₹5,001 and ₹10,000.
  • ₹1,200 if the outstanding amount is greater than ₹10,000.
  • An additional ₹100 is charged for missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles, applicable for every payment cycle until MAD is cleared.
• Over Limit Charge: 2.5% of the overlimit amount, with a minimum of ₹500.
• Returned Payment Charge (Cheque / ECS / ACH / SI bounce charge): 2% of the payment amount, subject to a minimum of ₹500.
• Railway Ticket Booking Surcharge: As prescribed by IRCTC / Indian Railways.
• Cash Deposit at Branches: ₹175 per deposit.
• Rent Surcharge: 1% will be applicable on each rental transaction done on Axis Bank Credit Cards. GST will be applicable as notified by the Government of India.
• DCC Markup: 1.5% plus taxes will be applicable on Axis Bank Credit Cards for each International transaction performed in Indian currency at an International location or transactions performed in Indian currency with merchants located in India but registered in a foreign nation.
• Wallet Load Transaction Fee: 1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.
• Fuel Transaction Fee: 1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.
• Education Transaction Fee: 1% fee on education payments made via third-party apps.
• Utility Transaction Fee: 1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.
• Online Skill-Based Gaming Transaction Fee: 1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.

Rewards

• Reward Rate:
  • Earn 5 EDGE Miles for every ₹100 spent on Axis Bank Travel Edge portal and airline spends (airline purchases made at airline-owned websites, at airline counters, and through airline helpline numbers).
  • Earn 2 EDGE Reward Points for every ₹100 on all other eligible spends.
  • The following categories are not eligible for EDGE Mile earnings: Transportation & Tolls, Utilities, Insurance, Educational Institutions, Government Institutions, Wallet, Rent, and Fuel.
• Renewal Benefits: 1,500 EDGE Miles will be credited within 30 days of the credit card anniversary, valued at ₹1,500. This is not applicable for lifetime free credit cards.
• Travel: Enjoy accelerated EDGE Miles on travel bookings.
• Lounge Access: Complimentary airport lounge access is available only to the primary cardholder.
  • Domestic Airport:
    • Axis Horizon Mastercard World variant: 6 complimentary visits per calendar quarter.
    • Axis Horizon Visa Signature variant: 8 complimentary visits per calendar quarter.
    • An access fee of ₹2 for Visa and ₹25 for Mastercard Horizon Credit Cards will be charged for accessing airport lounges, which will later be refunded.
  • International Airport: 2 complimentary visits per calendar quarter, totaling 8 visits worldwide in a year. A USD 1 transaction must be made to access international airport lounges, which will later be refunded.
• Dining:
  • Receive a 15% discount via Eazydiner (up to ₹500).
  • Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.
• Wednesday Delight: Beat the mid-week blues with exciting offers every Wednesday, including:
  • Instant savings of up to 15% on flights & hotels via MakeMyTrip.
  • 10% off on orders via Swiggy.
  • 10% off up to ₹1000 on Tira.
• Insurance Benefits: Includes a lost card liability cover of ₹10 Lakh.

Rewards Redemption Guide

• Redemption at Travel Edge: Book Hotels, Flights, and Experiences by redeeming EDGE Miles on the Travel Edge Platform. A minimum of 500 EDGE Miles is required for redemption.
• Miles Transfer to Partner Points: Convert your EDGE Miles to various airline and hotel partner points.
  • The general conversion ratio is 1 EDGE Mile = 1 Partner Point.
  • Exceptions: For Lotusmiles (Vietnam Airlines), The British Airways Club, and Finnair Plus, the conversion ratio is 2 EDGE Miles = 1 Partner Point.
  • A minimum of 500 EDGE Miles is required for miles transfer.
  • You can transfer a maximum of 500,000 EDGE Miles to partner points in a year.
  • Partner Points Conversion Ratio Groups:
    • Group A (1 Lakh EDGE Reward Per Year limit): Aeroplan, Wyndham Rewards, Ethiopian Airlines, Etihad Guest, United MileagePlus, JAL Mileage Bank, Singapore Airlines (Krisflyer), Royal Orchid Plus, Turkish Airlines (1:1 conversion).
    • Group B (4 Lakh EDGE Reward Per Year limit): Air Asia, Flying Blue, Air India (Maharaja Club), IHG One Rewards, ITC, Orchid Rewards, The Postcard Sunshine Club, Qantas Frequent Flyer, Radisson Rewards, SpiceJet (1:1 conversion).
• To transfer your EDGE Miles to a participating partner loyalty program, you need to log in to the Travel Edge portal.

Card Eligibility Criteria

• Eligibility Rules:
  • The primary cardholder should be between 18 and 70 years of age.
  • The individual should be a Resident of India.
• Documents Required:
  • PAN Card photocopy / Colour photograph.
  • Proof of income: Latest payslip / Form 16 / IT return / Form 60.
  • Residence proof: Driving License / Electricity Bill / Landline Telephone Bill.

Card Review

The Axis Bank Horizon Credit Card is an excellent mid-range and affordable credit card for travel enthusiasts. It allows cardholders to earn accelerated reward points on travel-related expenses, offering an impressive 5% reward rate (5 EDGE Miles for every ₹100 spent) on Travel Edge and airline expenses. One of its most attractive features is the complimentary access to both international and domestic airport lounges, ensuring a comfortable and cost-effective travel experience. This card is a must-have for frequent travelers, whether for work or vacation, who are seeking an affordable and rewarding credit card option. The main drawback is the absence of a spend-based annual fee waiver, meaning the annual fee must be paid consistently.

Important Product Details

• Receive 5,000 EDGE Miles as a welcome benefit.
• Earn 5 EDGE Miles/₹100 spent on the Axis Bank Travel Edge portal and airline spends.
• Enjoy eight international lounge visits across the globe annually (2 per calendar quarter).
• Offers discounts on dining through the Axis Bank Dining Delights Program.
• There is no spending-based waiver associated with this card, requiring annual fee payment.
• Certain categories like Transportation & Tolls, Utilities, Insurance, Educational Institutions, Government Institutions, Wallet, Rent, and Fuel are not eligible for EDGE Mile earnings.
• The card has an annual limit of 500,000 EDGE Miles for transfer to partner points.

Other Details

• The Axis Bank Horizon Credit Card is available in Mastercard World and Visa Signature variants.
• It is recognized as the basic version of the popular Axis Bank Atlas Credit Card.
• Burgundy customers are eligible for only one lifetime free Axis Bank Credit Card. Customers already holding an Axis Bank Select, Magnus, or Horizon Credit Card as Lifetime Free are not eligible for another Lifetime Free card under this offering. This offering is at the sole discretion of Axis Bank and may be revised or withdrawn at any time, with continuation of benefits subject to maintaining the requisite Burgundy relationship as per Bank's criteria.
• The card offers a diverse range of services including credit limit increase, instant loan on credit card, credit card against fixed deposit, grab deals, convert purchases into EMIs, and a credit card control center.
• The total annual benefits on the Horizon Credit Card can be more than ₹58,200, based on illustrative spend patterns and lounge utilization.
• Terms & Conditions for the Axis Horizon Credit Card are available and should be reviewed for complete details.