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Axis Bank Axis Horizon Credit Card

Verified · September 1, 2026
4.5/5.0

Updated on September 1, 2026

Axis Bank Axis Horizon Credit Card

🎖️Reward Rate

5 EDGE Horizon Miles (5% value on travel) per ₹100 spent on Airline bookings, Hotels, and International transactions

Overview

Get the Axis Horizon Credit Card & enjoy benefits like complimentary lounge access, insurance cover, exciting rewards & more. Apply for the Horizon Travel Credit Card now!

Rewards

Reward Type

Air Miles

Reward Rate

  • 5 EDGE Horizon Miles (5% value on travel) per ₹100 spent on Airline bookings, Hotels, and International transactions
  • 2 EDGE Horizon Miles (2% value) per ₹100 spent on all other retail transactions

Welcome Benefit

5,000 bonus EDGE Horizon Miles upon card activation and spending ₹10,000 within first 30 days.

Milestone Benefit

100% annual fee waiver of ₹3,000 on spending ₹3.5 Lakhs annually; 5,000 bonus EDGE Horizon Miles on ₹5 Lakhs annual spends

Redemption

  • 1:1 Transfer to international airlines (KrisFlyer, Qatar Avios, Etihad Guest, Turkish Miles&Smiles, United MileagePlus)
  • 1:1 Transfer to hotel loyalty partners (Accor ALL, Marriott Bonvoy, ITC Hotels, IHG One Rewards)

Benefits

  • Domestic Lounge: 8 visits
  • International Lounge: 8 visits
  • Discounted 2.0% Forex Markup: Reduced foreign currency conversion markup rate of just 2.0% on all international spends.
  • Axis Dining Delights Program: Up to 20% discount across 4,000+ participating partner restaurants in India via EazyDiner.

Things to Know Before you apply

Axis Bank Axis Horizon Credit Card Eligibility Criteria

  • Age: 21–70 years
  • Salaried with net monthly income > ₹50,000; Self-employed with ITR > ₹6,00,000 p.a.
  • Salaried & Self-Employed Individuals
  • Resident Indian

Fees & Charges

ParticularsAmount
Joining Fee₹3,000
Annual Fee₹3,000
Foreign Currency Mark-up Fee2%
Cash Advance Fee2.5% of withdrawn amount (min ₹500)

Fee waiver: Spend ₹3,50,000 or more in preceding year for 100% annual renewal fee waiver.

PaisaSimple Review

Overall Rating

4.5/5

What do we like about this card?

The Apply for Axis Horizon Travel Credit Card Online | Axis Bank issued by Axis Bank is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.

Pros

  • 5 EDGE Miles on every ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites.
  • 2 EDGE Miles per ₹100 on all other spends
  • 5 EDGE Miles on every ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites.
  • High value reward program
  • Wide merchant acceptance

Cons

  • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified

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Fee Details

Joining Fee

₹3,000

Annual/Renewal Fee

₹3,000

Joining Fee

₹7,000

Annual/Renewal Fee

₹7,000

Joining Fee

₹499

Annual/Renewal Fee

₹499

Lowest fees
Welcome Benefit
  • 5,000 bonus EDGE Horizon Miles upon card activation and spending ₹10,000 within first 30 days.
  • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
  • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
  • Fulfillment Timeline: Credited within 60 days of card issuance
  • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Reward/Cashback Rate
  • 5 EDGE Horizon Miles (5% value on travel) per ₹100 spent on Airline bookings, Hotels, and International transactions
  • 2 EDGE Horizon Miles (2% value) per ₹100 spent on all other retail transactions
  • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
  • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
  • Excluded Categories: Fuel transactions
  • Wallet loading
  • Cash advances
  • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
  • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
  • 2 Reward Points per ₹150 on all other categories
  • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
Pros
  • 5 EDGE Miles on every ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites.
  • 2 EDGE Miles per ₹100 on all other spends
  • 5 EDGE Miles on every ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites.
  • High value reward program
  • Wide merchant acceptance
  • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
  • Forex markup rate of 1.5%
  • Airport lounge and lifestyle dining privileges
  • Value-packed milestone rewards on annual spend
  • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
  • Low ₹499 joining and annual fee
  • 4 complimentary domestic lounge visits per year
  • Annual fee waiver on ₹50,000 spend
Cons
  • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
  • Annual renewal fee of ₹7000
  • Reward exclusion on fuel purchases and wallet load transactions
  • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
  • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
  • No specific minimum income figure disclosed