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Axis Bank Atlas Credit Card VS Axis Bank Horizon Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
Axis Bank Horizon Credit Card
Axis Bank Horizon Credit Card

Fees & Charges

Joining Fee
₹5,000 + GST
₹3,000 + GST
Renewal Fee
₹5,000 + GST
₹3,000 + GST
Spend Based Waiver
Not Applicable
No spend-based annual fee waiver; fee must be paid annually.
Foreign Transaction Fees
3.50% on foreign currency transactions; 1.5% for Dynamic Currency Conversion.
3.50% of transaction value on International Non DCC Transactions; 1.5% + taxes on DCC.
Interest Rate (APR)
3.75% per month (55.55% per annum) on retail purchases and cash advances.
3.75% per month (equivalent to 55.55% annually) for finance charges.

Rewards & Benefits

Welcome Bonus
2,500 EDGE Miles on first transaction within 37 days of Axis Bank Atlas card issuance.
5,000 EDGE Miles credited on first transaction of ₹1,000+ within 30 days of card issuance.
Rewards Rate
Earn 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions.
Earn 5 EDGE Miles per ₹100 on travel/airline bookings; 2 EDGE Miles per ₹100 on other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption transaction on EDGE portal; ₹199 for transfers to partner loyalty programs.
Not Applicable

Travel & Lifestyle

Domestic Lounge Access
8-18 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
8 visits/quarter (Visa Signature) or 6 visits/quarter (Mastercard World). ₹2/₹25 access fee refunded.
International Lounge Access
4-12 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
2 complimentary airport lounge visits per calendar quarter (8 annually). USD 1 transaction, later refunded.
Travel Benefits
Accelerated EDGE Miles on travel, lounge access, flight/hotel redemptions, partner miles transfers.
Accelerated rewards on travel, complimentary airport lounge access, and discounts on flights/hotels.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Up to 25% off (Max ₹800) twice a month at partner restaurants via EazyDiner on ₹2,500+ spend.
15% discount (up to ₹500) via Axis Bank Dining Delights. 10% off on Swiggy every Wednesday.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge (refunded for ₹400-₹4,000 transactions, max ₹400/cycle).
1% waiver on fuel transactions (₹400-₹5000), capped at ₹400 per month.

Security & Other

Insurance Benefits
Not Applicable
Includes Lost Card Liability cover of INR 10 Lakh.
Cash Advance Charges
2.5% of cash amount, minimum ₹500.
2.5% of transaction amount, with a minimum of INR 500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Atlas Credit Card

Axis Bank Horizon Credit Card

Who is it for?

The Axis Bank Atlas Credit Card is a premium, travel-focused credit card designed for frequent travelers, rewarding users with valuable EDGE Miles. It features a unique tiered membership system (Silver, Gold, Platinum) where benefits like accelerated rewards and extensive lounge access escalate with annual spending. This card offers favorable miles transfer ratios to partner airline and hotel loyalty programs, making it an excellent choice for those with significant domestic and international travel expenses.

Who is it for?

The Axis Horizon Credit Card is a travel-centric offering with generous rewards and travel benefits, ideal for frequent travelers. It provides accelerated 5 EDGE Miles per ₹100 on travel expenses and extensive complimentary access to both domestic and international airport lounges. While it comes with a ₹3,000 + GST joining and annual fee without a waiver, its strong travel-focused rewards and benefits make it a compelling mid-range option for those seeking a rewarding travel credit card.

Pros

Key benefits and features.

Excellent choice for individuals with significant domestic and international travel expenses.

Unique tiered benefits system rewards higher spenders with enhanced privileges effectively.

Favorable 1:2 transfer ratio for EDGE Miles to diverse airline and hotel loyalty programs.

Complimentary access to numerous domestic and international airport lounges for comfort.

Awards additional bonus miles upon reaching specified annual spending milestones.

Pros

Key benefits and features.

Generous welcome benefit of 5,000 EDGE Miles provides significant initial value.

High reward rate of 5 EDGE Miles for every ₹100 on travel and airline bookings.

Extensive complimentary lounge access for a comfortable travel experience.

Valuable dining discounts and Wednesday offers enhance lifestyle benefits.

1:1 conversion ratio for EDGE Miles to a wide range of loyalty partners.

Cons

Key drawbacks and limitations.

Axis Bank Atlas Credit Card does not offer any golf or insurance benefits to cardholders.

A high foreign currency transaction fee of 3.5% can accumulate for international spends.

Fees apply for both reward redemption and for transferring miles to partners.

No EDGE Miles are earned on key spend categories like fuel, rent, utilities, and insurance.

Various transaction-specific fees for rent, wallet loads, education, and online gaming.

Cons

Key drawbacks and limitations.

Annual fee of ₹3,000 + GST with no spend-based waiver is a significant drawback.

No EDGE Miles on key categories like Utilities, Rent, Fuel, and Wallet transactions.

An annual limit of 500,000 EDGE Miles on transfers to partner points applies.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.