Axis Bank Horizon Credit Card
A travel card earning 2 EDGE Miles per ₹100 on eligible spends and 5 per ₹100 on Axis Travel EDGE and airline bookings, with Miles that Axis Bank values at ₹1 each, international and domestic lounge visits every quarter and a ₹3,000 fee. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹3,000 plus GST Product page |
|---|---|
| Annual fee | ₹3,000 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Fees are plus GST. Joining and annual fees are nil for customers with a Burgundy Savings Account opened on or after 1 July 2026. No spend-based waiver of the annual fee is published. | |
Rewards
Reward points, ₹1 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Other eligible spends | 2 points per ₹100 Terms | no cap on record |
Transportation and tolls, and gift cards, also earn nothing. Spends on Axis Bank Travel EDGE and directly with airlines earn 5 EDGE Miles per ₹100; CardWise values them at the base rate because hotels and online travel agencies do not qualify.
No rewards on
Benefits
- Lounges: 2 international lounge visits a calendar quarter; 8 domestic visits a quarter on Visa Signature cards or 6 on Mastercard World cards Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹400 a statement month Terms
- Welcome: 5,000 EDGE Miles (₹5,000 at ₹1 a Mile) if the first transaction is ₹1,000 or more and made within 30 days of issue; not for lifetime-free cards Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 5 EDGE Miles per ₹100 on Axis Bank Travel EDGE and on airline websites, counters and helplines (online travel agencies earn 2) Terms
- 1,500 EDGE Miles worth ₹1,500 on each card anniversary from the second year (not for lifetime-free cards) Product page
- Transfer EDGE Miles to airline and hotel partners at 1 Mile = 1 partner point Terms
- Lost card liability cover of ₹10 lakh Product page
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
- Resident of India Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- a RuPay variant for UPI
- a spend-based annual fee waiver
- a minimum income
The quotes behind the figures
27 figures, each copied from an official Axis Bank document.
Show every quote and source
“Joining fee 3000 (Nil* for customers with a Burgundy Savings Account opened on or after 1st July 2026)”
“Annual Fee 3000 (Nil* for customers with a Burgundy Savings Account opened on or after 1st July 2026)”
“Foreign currency transactions 3.50% of Transaction value on International Non DCC Transactions”
“Base EDGE REWARD Points (2 EDGE Miles for every ₹100 spent. 1 EDGE Mile = ₹1)”
“Cardholder shall earn 2 EDGE Miles on every INR 100 spent for other spends on the Axis Bank Horizon Credit Card (except on Airline MCCs and Axis Bank Travel Edge website).”
“2 EDGE Miles per ₹100 on all other spends”
“Excluded spend categories for reward earns / spend based fee waiver: Transactions made on Transportation & Tolls, Utilities, Insurance, Educational Institutions, Govt. Institutions, Wallet, Rent, Fuel”
“There is a joining fee of INR 3000+GST ("Joining Fee") along with an annual card fee of INR 3000 + GST ("Annual Card Fee") to be levied on the Credit Card.”
“1500 EDGE Miles worth ₹1,500 on completion of anniversary year (Not applicable for lifetime free credit card ).”
“Please note that bookings made through any travel agents, including but not limited to any private travel agents, corporate travel agents, online travel agencies or their websites/IVR systems, shall be eligible for only 2 EDGE Miles for every INR 100 spent.”
“Rent Surcharge 1% will be applicable on each rental transaction done on Axis Bank Credit Cards. GST will be applicable as notified by Government of India.”
“6 complimentary visits per calendar quarter for Mastercard® World Cardmembers.”
“Customers are eligible for the 5,000 EDGE Miles welcome benefit only if the first transaction done on the card is of 1,000 or above AND is performed within 30 days of card issuance.”
“Finance Charges - Interest 3.75% (55.55% annual)”
“8 complimentary visits per calendar quarter for Visa Signature Cardmembers.”
“2 International airport lounge access per calendar quarter 8 Complimentary domestic airport lounge visits per calendar quarter (VISA) and 6 complimentary visits per calendar quarter (Mastercard)”
“1% fuel surcharge waiver on all fuel Transactions between INR 400 to INR 5000 using the Credit Card, with a max cap of INR 400 on wavier in the statement month.”
“5000 EDGE Miles credited on the first transaction greater than or equal to 1000 within 30 days of the card issuance date (Not applicable for lifetime free credit card ).”
“Cardholder shall earn 5 EDGE Miles on every INR 100 spent on Axis Bank Travel Edge website and on airline spends using Axis Bank Horizon Credit Card”
“1500 EDGE Miles worth ₹1,500 on completion of anniversary year (Not applicable for lifetime free credit card ).”
“Horizon Credit Card 1 EDGE Mile = 1 Partner Point”
“Lost card liability cover of ₹10 Lakh”
“Best Seller Travel Fuel HORIZON Credit Card”
“Primary Cardholder should be 18-70 years of age”
“The individual should either be a Resident of India”
“*The above criteria are only indicative, and the bank reserves the ultimate right to approve or decline applications for the HORIZON Credit Card. Apply Now”
“8 Complimentary domestic airport lounge visits per calendar quarter (VISA) and 6 complimentary visits per calendar quarter (Mastercard)”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology