Axis HORIZON Credit Card
Updated on September 1, 2026
🎖️Reward Rate
Bonus reward rate (travel category): 5 EDGE Miles per ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites only
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
Bonus reward rate (travel category): 5 EDGE Miles per ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites only
Welcome Benefit
5,000 EDGE Miles credited on first transaction ≥ ₹1,000 within 30 days of card issuance (not applicable for lifetime-free card)
Milestone Benefit
Renewal Benefit: 1,500 EDGE Miles (₹1,500) on completion of anniversary year (not applicable for lifetime-free card) — no milestone spend-tier benefit shown
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
- Airport lounge access — Domestic: 8 complimentary domestic lounge visits per quarter (Visa) = 32/year, or 6 per quarter (Mastercard) = 24/year
- Dining benefit: Axis Bank Dining Delights Program: 'Enjoy exceptional dining experiences at top restaurants across India' (no discount % or partner count specified on captured page)
Things to Know Before you apply
Axis HORIZON Credit Card Eligibility Criteria
- Age: 18–70 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
| Particulars | Amount |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹3,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (min ₹500) |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
4.5/5What 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
Compare with Similar Cards
Joining Fee
₹3,000
Annual/Renewal Fee
₹3,000
Joining Fee
₹5,000
Annual/Renewal Fee
₹5,000
Joining Fee
₹2,500
Annual/Renewal Fee
₹2,500
- • 5,000 EDGE Miles credited on first transaction ≥ ₹1,000 within 30 days of card issuance (not applicable for lifetime-free card)
- • CURRENT rate (cards issued from 20-Apr-2024 onwards): 2,500 EDGE Miles on first transaction within 37 days. (Legacy rate for cards issued 20-Dec-2022 to 19-Apr-2024 was 5,000 EDGE Miles within 30 days.)
- • Complimentary Swiggy One and MMT Black Gold membership on spends of ₹1 lakh in the first 90 days
- • Bonus reward rate (travel category): 5 EDGE Miles per ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites only
- • Rewards Earn Rate - Accelerated Rate Monthly Cap: Capped at cumulative ₹2,00,000/month on travel spend
- • miles drop to 2 EDGE Miles per ₹100 above that threshold
- • Rewards Earn Rate - Excluded Categories (Base Rate): Gold/jewellery, Rent, Wallet, Government institution, Insurance, Fuel, Utilities (7 categories, with specific MCC codes listed)
- • 5 Reward Points on every ₹200 spent (base)
- • 5X Reward Points on spends at Myntra, Nykaa, Reliance Digital, Pharmeasy, Apple Imagine Tresor and Jockey
- • Maximum 50,000 Reward Points per statement cycle
- • 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: 2 EDGE Miles per ₹100 (2 EDGE Miles per ₹100 on general retail spends (2% value back))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Reward Points per ₹150 (Base reward accrual across retail spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹5000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions