Axis Bank Horizon Credit Card
Fees
₹3,000 + Taxes
Joining & AnnualReward Rate
5 EDGE Horizon points per ₹100 on travel; 2 points per ₹100 on general spends
Welcome Bonus
3,000 EDGE Horizon points on card activation
Lounge Access
8 Domestic/yr
FindMyCard Expert Take
The Axis Bank Horizon Credit Card provides 5 EDGE Horizon points per ₹100 on travel with airport lounge access and fee waiver on ₹3.5 Lakh annual spend.
Pros & Cons
Key Advantages
- 5 EDGE Horizon points per ₹100 spent on flight and hotel bookings
- Direct points transfer to partner airline and hotel loyalty programs
- 8 complimentary domestic airport lounge access visits per year
- Annual fee waiver on achieving ₹3.5 Lakh retail spend milestone
Limitations
- ₹3,000 annual fee charged upfront
- Base earn rate of 2 points per ₹100 on general retail spends is moderate
- Forex markup fee of 3.5% applies on foreign transactions
Editorial Verdict
The Axis Bank Horizon Credit Card is ideally suited for mid-tier travel & airline point transfers. If you want 5 edge horizon points per ₹100 on travel; 2 points per ₹100 on general spends, this card delivers real value. The ₹3,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
5 EDGE Horizon points per ₹100 on travel bookings via Travel EDGE portal
2 EDGE Horizon points per ₹100 on all other retail transactions
2 complimentary domestic airport lounge access visits per calendar quarter
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
🚀 Milestone Spends Timeline
Annual fee waived on retail spends of ₹3.5 Lakh in a membership year
Fees & Charging Rates
Annual Fee Waivers
₹3,000 + Taxes
💡 Annual fee waived on ₹3.5 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹750 |
| 5001 to 10000 | ₹1,000 |
| 10001 to 25000 | ₹1,200 |
| 25001 to 50000 | ₹1,200 |
| above 50000 | ₹1,200 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹3 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹50,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 70 years
Compare Axis Bank Horizon Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Axis Bank Horizon Credit Card This Card | ₹3,000 + Taxes | 5 EDGE Horizon points per ₹100 on travel; 2 points per ₹100 on... | 8 Domestic/yr | 4.5/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |