Axis Bank Horizon Credit Card benefits
- Benefit5
EDGE Miles per ₹100 on airlines and the Travel EDGE portal
- Benefit2
EDGE Miles per ₹100 on other spends
- Benefit1
EDGE Mile moves to 2 partner airline or hotel miles
- Benefit5,000
EDGE Miles welcome benefit on your first transaction
- Lounge2
international lounge visits each calendar quarter
- Benefit1,500
EDGE Miles each card anniversary from the second year
Axis Bank Horizon Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Travel5 EDGE Miles per ₹100 on the Axis Bank Travel EDGE portal and on airline websites, counters and helplines. Left out of the maths because other travel spends earn the base rate. | 5 miles per ₹100 | None |
| Everything else | 2 miles per ₹100 | None |
We value one mile at ₹1 in the usual redemption.
No rewards on: Transportation and tolls, utilities, insurance, education, government, wallet, rent, fuel and gift cards.
All reward rules
- Axis Bank gives 2 EDGE Miles per ₹100 on other spends.
- We use ₹1 per EDGE Mile, the value in Axis Bank's value chart. EDGE Miles also move to airline and hotel partners at 1 EDGE Mile to 2 partner miles.
- Welcome benefit: 5,000 EDGE Miles on a first transaction of ₹1,000 or more within 30 days. Renewal benefit: 1,500 EDGE Miles each card anniversary from the second year.
- A 1% fee applies to rent, and to education payments through third-party apps. A 1% fee also applies in a statement cycle if utilities reach ₹25,000, fuel ₹50,000, wallet loads ₹10,000 or online skill gaming ₹10,000.
What the Axis Bank Horizon Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 2% | ₹720 |
| Dining and food delivery | ₹2,000 | 2% | ₹480 |
| Online shopping | ₹18,000 | 2% | ₹4,320 |
| Travel | ₹1,000 | 2% | ₹240 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0% | ₹0 |
| Everything else | ₹3,000 | 2% | ₹720 |
| Total | ₹30,000 | ₹6,480 | |
| Renewal fee with GST | −₹3,540 | ||
| You keep | ₹2,940* |
Axis Bank Horizon Credit Card annual fee and charges
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Foreign currency markup
- 3.5%
Fees are before GST. Axis Bank's documents show no spend-based waiver. Customers with a Burgundy Savings Account opened on or after 1 July 2026 pay no joining fee.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000, up to ₹400 per statement month.
Axis Bank Horizon Credit Card eligibility
We could not confirm age and income limits from Axis Bank's card page. The bank decides at the time of application.
The bank alone decides approval and your credit limit.
Axis Bank Horizon Credit Card lounge access
8 international visits a year. Banks often set a spend condition, so read the reward rules above.
2 international lounge visits each calendar quarter. Axis Bank's page also lists domestic visits that differ for Visa and Mastercard cards, so they are not counted here.
Is the Axis Bank Horizon Credit Card right for you?
A card with a ₹3,000 yearly fee, paying an above-average 2% on most spends.
Worth its fee if you spend about ₹17,000 a month or more. Below that, the ₹3,000 fee costs more than the card gives back on spending like the example above.
Good for you if
- You fly a few times a year: it includes 8 international airport lounge visits a year.
Not for you if
- Your rewards would not reach ₹3,540 a year: that is the renewal fee with GST, and spending does not waive it.
- Much of your spending is on bills and utilities: this earns no rewards.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Axis Bank Horizon Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Axis Bank Horizon Credit Card | ₹3,000 | 5% | ₹2,220* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹10,440 a year, against ₹2,940 with the Axis Bank Horizon Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the Axis Bank Horizon Credit Card?
The joining and annual fee is ₹3,000 before GST. Axis Bank's documents show no spend-based waiver.
Is the Axis Horizon Credit Card lifetime free?
No. Customers with a Burgundy Savings Account opened on or after 1 July 2026 pay no joining fee.
How many miles does the Axis Horizon Credit Card give?
It gives 5 EDGE Miles per ₹100 on airlines and Travel EDGE, and 2 per ₹100 on other eligible spends.
What is the value of an Axis EDGE Mile?
Axis Bank's value chart counts 1 EDGE Mile as ₹1. You can also move EDGE Miles to airline and hotel partners at 1 to 2.