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Last updated: 17 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5 EDGE Miles per ₹100
Earn 5 EDGE Miles per ₹100 spent on the Axis Bank Travel EDGE portal and at direct airline websites or counters. Earn 2 EDGE Miles per ₹100 on all other eligible categories. 1 EDGE Mile = 1 Partner Mile across 15+ travel partners (like Singapore KrisFlyer, Marriott Bonvoy, etc.).
Redeem for
The privileges that come bundled in, beyond the reward points.
Domestic Airport Lounge Access: Up to 32 complimentary visits per year (8 per quarter) on the Visa variant, or 24 per year (6 per quarter) on Mastercard
International Airport Lounge Access: 8 complimentary visits per year (2 per quarter)
Renewal Benefit: 1,500 bonus EDGE Miles credited within 30 days of your card anniversary upon fee realization
Dining: 25% instant discount via EazyDiner (up to ₹800 per month) on a minimum order value of ₹2,500
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹400 per month)
An honest read on where this card earns its keep — and where it doesn't.
Outstanding domestic lounge access allowance (up to 32 times a year on Visa)
Excellent 1:1 EDGE Mile transfer ratio to over 15 airline and hotel partners
Welcome benefit (5,000 miles) effectively covers the first-year joining fee entirely
Includes international lounge access without requiring ultra-premium pricing
Does not offer a spend-based annual fee waiver
High 3.5% forex markup fee, which is disappointing for a travel-centric card
Certain partner transfers are grouped (Group A) with conversion caps on the Axis network
No milestone bonus rewards for high annual spenders
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Axis Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Axis Bank Horizon Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Axis Bank Horizon Credit Card fees, reward conversion, lounge access, and application eligibility.
Axis Bank Horizon Credit Card has an annual fee of ₹3,000 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "5,000 EDGE Miles on making your first transaction of ₹1,000 or more within 30 days of card issuance.".
Axis Bank Horizon Credit Card earns EDGE Miles at a primary rate of Up to 5 EDGE Miles per ₹100. Specifically, Earn 5 EDGE Miles per ₹100 spent on the Axis Bank Travel EDGE portal and at direct airline websites or counters. Earn 2 EDGE Miles per ₹100 on all other eligible categories. 1 EDGE Mile = 1 Partner Mile across 15+ travel partners (like Singapore KrisFlyer, Marriott Bonvoy, etc.).. Spends in Travel, Rewards, Premium categories provide the maximum valueback per transaction on this card.
Rewards earned on Axis Bank Horizon Credit Card can be redeemed for Partner Airlines & Hotels (1:1 Transfer Ratio), Axis Travel EDGE Portal, Statement Credit via Axis Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, Axis Bank Horizon Credit Card features complimentary airport lounge privileges. Privileges include: "Domestic Airport Lounge Access: Up to 32 complimentary visits per year (8 per quarter) on the Visa variant". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 740 or above is strongly recommended for approval of Axis Bank Horizon Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Axis Bank Horizon Credit Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Axis Bank Horizon Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Axis Bank Horizon Credit Card currently features a welcome offer: "5,000 EDGE Miles on making your first transaction of ₹1,000 or more within 30 days of card issuance.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Outstanding domestic lounge access allowance (up to 32 times a year on Visa) and Excellent 1:1 EDGE Mile transfer ratio to over 15 airline and hotel partners. However, keep in mind that Does not offer a spend-based annual fee waiver and High 3.5% forex markup fee. Overall, Axis Bank Horizon Credit Card delivers strong value if your regular spending aligns with Travel, Rewards, Premium.
Yes, Axis Bank Horizon Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
