Axis Bank
Axis Bank Horizon Credit Card
Data last verified: 11 October 2026
- Joining fee₹3,000 + GST
- Annual fee₹3,000 + GST
- Reward rate2% on most spends; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹3,000 + GST
- Annual fee₹3,000 + GST
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹400 a month
Horizon earns EDGE Miles. You get 5 Miles per Rs 100 on Axis Travel Edge and direct airline bookings, whether on the airline website, at the counter or by phone. All other spends earn 2 Miles per Rs 100, which is a good base rate for a mid-tier card.
The fee is ₹3,000 plus GST and there is no spend-based waiver. The generous lounge access helps justify it: 8 domestic visits a quarter on the Visa variant, 6 on Mastercard, and 8 international visits a year.
It suits frequent flyers who want many lounge visits without a super-premium fee. The catch is the 3.5% forex markup, which eats into value on spends abroad.
Best for: Frequent domestic flyers, Travellers who book direct with airlines, People who want lots of lounge visits.
01Axis Bank Horizon Credit Card Rewards and Benefits
02Axis Bank Horizon Credit Card Annual Fee and Charges
- Joining fee
- ₹3,000 + GST
- Annual fee
- ₹3,000 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 2%₹400
- Back each month, ₹4,800 a year₹400
- Annual fee with 18% GST−₹3,540
- In your pocket each year₹1,260
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Travel only at Axis Travel Edge & airlines: 5% back
- Flyers: 40 airport lounge visits a year
Skip it if…
- you spend less than ₹15,000 a month: below that the ₹3,540 fee costs more than the rewards
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Axis Travel Edge & airlines: the 5% rate applies only there, everything else earns 2%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹3,000 plus GST
- No spend-based fee waiver
- 5 EDGE Miles per ₹100 on airline and Travel Edge bookings
- 2 EDGE Miles per ₹100 on other spends
- 8 domestic lounge visits a quarter (Visa), 6 (Mastercard)
- 8 international lounge visits a year
05Pros and Cons
Pros
- Up to 32 domestic lounge visits a year
- 2 EDGE Miles per ₹100 on all spends
- Bonus on direct airline bookings, not just a portal
- 8 international lounge visits
Cons
- Fee is never waived
- 3.5% forex markup is high for a travel card
- Lounge count depends on Visa or Mastercard variant
06How Axis Bank Horizon Credit Card earns Rewards
2% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 2% | No cap | The card's normal rate |
| Dining and food delivery | 2% | No cap | The card's normal rate |
| Groceries | 2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 2% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 5% | No cap | Only at: Axis Travel Edge & airlinesTerms: 5 EDGE Miles per ₹100 on the Axis Travel EDGE portal and direct airline bookings, hotels and online travel agencies earn the base 2 per ₹100. Miles transfer 1:1 to most partners, 2:1 to British Airways, Finnair, IndiGo BluChip, Vietnam, Qatar, Cathay and Accor. |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 2% | No cap | The card's normal rate |
| Everything else | 2% | No cap | The card's normal rate |
Terms on the base rate. 2 EDGE Miles per ₹100 (~2%) on all other spends
07Axis Bank Horizon Credit Card Lounge Access and Travel
Domestic lounge access is 32 visits a year, international is 8 visits a year. Up to 32 domestic (6-8 per quarter) and 8 international airport lounge visits a year. Spending abroad carries a 3.5% forex markup; rewards on it: 2% back (the normal rate). See what it costs on your trip
Also on the card. airport lounge access, milestone bonuses.
- Milestone bonuses: 1,500 EDGE Miles on every renewal (the 5,000-mile welcome benefit is a one-off joining bonus, counted separately)
08Axis Bank Horizon Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 22 Sept 2026 | Changed: Accor ALL returns as a transfer partner, in Group ASource: Axis Bank | Accor ALL unavailable since 2 April 2026 | Accor ALL back, in Group A |
| 22 Sept 2026 | Changed: Cathay Asia Miles, Lufthansa Miles & More and Hilton Honors addedSource: Axis Bank | None of the three available | Asia Miles in Group A; Miles & More and Hilton Honors in Group B |
| 22 Sept 2026 | Reduced: Club ITC removed as a transfer partnerSource: Axis Bank | Club ITC available | Club ITC removed |
| 22 Sept 2026 | Reduced: Flying Blue, Air India and Qantas moved into the smaller Group A transfer capSource: Axis Bank | Group B (the larger annual transfer allowance) | Group A (a quarter of the Group B allowance); ratios unchanged |
| 28 Aug 2026 | Reduced: Dynamic currency conversion markup more than doubles to 3.5%Source: Axis Bank | 1.5% + GST | 3.5% + GST |
See this card's change history → · All card changes in September 2026 →
10Cards Similar to Axis Bank Horizon Credit Card
Axis Bank Horizon Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Horizon Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | ₹3,000 + GST | Lifetime free | Lifetime free |
| Annual fee | ₹3,000 + GST | Lifetime free | Lifetime free |
| Rewards | 2% on most spends; 5% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 32 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 0% |
| Type | Travel | Travel | Dining |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Can the ₹3,000 fee be waived?
No, there is no spend-based waiver.
How many lounge visits do I get?
8 domestic visits a quarter on the Visa variant or 6 on Mastercard, plus 8 international visits a year.
Which spends earn 5 EDGE Miles?
Bookings on Axis Travel Edge and direct airline purchases on airline websites, counters or helplines.
What is the forex markup?
3.5% on foreign currency spends.
What is the joining fee for the Axis Bank Horizon Credit Card?
The joining fee is ₹3,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Horizon Credit Card?
The annual fee is ₹3,000 + GST.
Does the Axis Bank Horizon Credit Card give airport lounge access?
Yes. Domestic lounge access is 32 visits a year, international is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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