Axis Bank Horizon Credit Card VS Bank of Baroda Etihad Guest Credit Card
Both Axis Bank Horizon Credit Card and Bank of Baroda Etihad Guest Credit Card suit travel-focused spenders, but they earn and cost differently. Axis Bank Horizon Credit Card costs ₹3,000 + GST and earns 5 EDGE Miles/₹100 on Travel Edge portal & airline spends; 2 EDGE Reward Points/₹100 on other spends. Bank of Baroda Etihad Guest Credit Card costs ₹2,500 + GST and earns 3 Miles/₹100 on Etihad Airways; 1 Mile/₹100 on other spends. Axis Bank Horizon Credit Card also brings 6-8 complimentary visits per calendar quarter for primary cardholder (variant dependent), refundable fee, while Bank of Baroda Etihad Guest Credit Card counters with 8 complimentary visits per year, capped at 2 per quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Axis Bank Horizon Credit Card
Bank of Baroda Etihad Guest Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Accelerated EDGE Miles on travel bookings, offering a high reward rate for frequent flyers.
Complimentary access to both domestic and international airport lounges for comfortable travel.
Valuable welcome benefits of 5,000 EDGE Miles on initial spends, boosting your rewards.
Attractive dining discounts via Eazydiner and the Axis Bank Dining Delights Program.
Flexible reward redemption options, including transfers to various airline and hotel partners.
Pros
Key benefits and features.
Low 1% forex markup makes it ideal for international travelers
Multiple bonus mile opportunities on meeting monthly, quarterly, and annual spend thresholds
Complimentary domestic and international lounge access included
Annual fee waiver achievable on spending ₹3,00,000
Complimentary Etihad Guest tier upgrade for frequent flyers
Cons
Key drawbacks and limitations.
No spend-based annual fee waiver, requiring consistent payment of the ₹3,000 + GST fee.
High foreign currency markup of 3.5% on international non-DCC transactions.
Several spend categories like fuel, utilities, and rent are excluded from earning EDGE Miles.
High interest rate of 3.75% monthly (55.55% annually) on outstanding balances.
Cons
Key drawbacks and limitations.
No reward points or cashback earned on fuel transactions
Miles can only be redeemed on the Etihad platform, limiting flexibility
Joining and annual fees are relatively high at ₹2,500 plus GST
Lounge access is capped per quarter, restricting frequent use