Axis Bank Horizon Credit Card
Fees
₹3,000 + Taxes
Joining & annual
Reward 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
8 Domestic/yr
Our 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.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
5 EDGE Miles per ₹100 on airlines and Travel EDGE
No limit -
2 EDGE Miles per ₹100 elsewhere
No limit
Where this card earns most
Paying directly in the app or site · 2% on other spends
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
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
Spend milestone
Annual fee waived on retail spends of ₹3.5 Lakh in a membership year
Fees & Charges
Joining fee
₹3,000 + Taxes
Annual fee
₹3,000 + Taxes
Annual fee waived on ₹3.5 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹750
- ₹5,001 to ₹10,000
- ₹1,000
- ₹10,001 to ₹25,000
- ₹1,200
- ₹25,001 to ₹50,000
- ₹1,200
- Above ₹50,000
- ₹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
Credit score & income
Good (730+)
Frequently Asked Questions
Did Axis Horizon's transfer partners change in 2026?
What's the reward rate on Axis Horizon?
How many lounge visits does Axis Horizon offer?
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 |