Axis
Axis Horizon Credit Card
This is an invite only card
Apply and get ₹1750 Rewards
Top Benefits
5000 EDGE Miles on First transaction
will be credited on the first transaction of ₹1000 or more within 30 days of card issuance.
Get 2 Complimentary International Lounge Visits
per quarter and 8 domestic lounge visits for Visa Signature cardholders.
Best For
Online Food Ordering
Travel
The Axis Bank Horizon Credit Card is a travel-focused card designed to deliver immediate value right fr...
Read More
Read Less
The Axis Bank Horizon Credit Card is a travel-focused card designed to deliver immediate value right fr...
The Axis Bank Horizon Credit Card is a travel-focused card designed to deliver immediate value right from the start. With a joining fee of Rs. 3,000 plus GST, this card offsets its initial cost completely by offering 5,000 EDGE Miles on your first transaction of Rs. 1,000. Since 1 EDGE Mile equals Rs. 1, you effectively get Rs. 5,000 back in travel value within your first month. This makes the upfront fee totally worth it for anyone planning a trip.
This card targets frequent flyers and vacationers who want excellent reward rates without navigating complex point conversion systems. You earn 5 EDGE Miles for every Rs. 100 spent on airline bookings and the Axis Travel EDGE portal. That is a flat 5% return on your travel spending. It beats many premium cards that offer diluted reward points requiring confusing calculators to understand their actual value. The Axis Bank Horizon Credit Card keeps it straightforward: earn miles, get a 1-to-1 rupee value, and fly.
Beyond flights, you get a solid package of lifestyle benefits. You get up to 8 complimentary domestic lounge visits and 2 international lounge visits per quarter, plus deep discounts at restaurants via EazyDiner. If you want a card that practically pays you to travel while keeping the math simple, the Axis Bank Horizon Credit Card deserves a spot in your wallet.
View FAQ
Commonly Asked Questions
Is the Axis Bank Horizon Credit Card lifetime free?
No, the Axis Bank Horizon Credit Card comes with a joining fee of Rs. 3,000 plus GST and an annual renewal fee of Rs. 3,000 plus GST. It is a premium card, so lifetime free offers are rare unless specifically provided during a bank promotion.
Who should apply for this credit card?
This card is perfect for frequent travelers and people who book flights regularly. If you spend at least Rs. 50,000 a year on flights and hotels, the 5% reward rate will help you save significantly on your future trips.
Is this a good first credit card for beginners?
No, this is better suited as a second or third card for users with an established credit history. With a recommended CRIF score of 720 and a Rs. 3,000 annual fee, beginners might find basic, zero-fee cashback cards easier to manage.
What makes this card different from other travel cards?
The biggest differentiator is the 1-to-1 conversion rate where 1 EDGE Mile equals Rs. 1. Most other cards offer points that are worth just Rs. 0.20 to Rs. 0.25, making the Axis Bank Horizon Credit Card exceptionally transparent and rewarding.
Expert Review
As a finance expert who has reviewed dozens of travel cards, I can confidently say the Axis Bank Horizon Credit Card gets the most important thing right: point valuation. The 1 EDGE Mile = Rs. 1 conversion rate removes all the guesswork from travel rewards. Earning 5% back on flights and instantly getting a Rs. 5,000 welcome bonus makes this card a no-brainer for the first year.
However, the card does have a glaring flaw. The 3.5% forex markup fee is high for a card targeted at travelers. Many travel cards in the Rs. 3,000 fee bracket offer reduced forex markups of 1.5% to 2%. Taking this card on an international vacation will result in transaction fees that eat into your earned rewards. Furthermore, the exclusion list (utilities, rent, insurance, fuel) limits your ability to earn points on daily household expenses.
My verdict? Keep this card in your desk drawer and use it exclusively to book domestic flights and access airport lounges. For that specific purpose, it is incredibly lucrative. But for international swiping or paying your monthly utility bills, you will need a different card.
Joining / Annual Fee
Joining Fees
₹3,540 ( ₹3000 + GST )
Annual Fees
₹3,540 ( ₹3000 + GST )
Premium travel benefits come at a cost. The Axis Bank Horizon Credit Card has a joining fee of Rs. 3,00...
Read MoreRead Less
Premium travel benefits come at a cost. The Axis Bank Horizon Credit Card has a joining fee of Rs. 3,00...
Premium travel benefits come at a cost. The Axis Bank Horizon Credit Card has a joining fee of Rs. 3,000 plus applicable GST, which is charged in your very first billing statement. However, the bank softens this blow by offering 5,000 EDGE Miles (worth Rs. 5,000) as a welcome bonus when you spend your first Rs. 1,000. So mathematically, you are up Rs. 2,000 in value right from month one.
From the second year onward, you are charged an annual renewal fee of Rs. 3,000 plus GST. This fee is billed every year, as the card does not currently offer a spend-based waiver. To balance this out, the bank provides 1,500 EDGE Miles (worth Rs. 1,500) every anniversary year, effectively cutting your actual renewal burden in half.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 3,000 plus 18% GST. This is charged to your account when the card is issued and appears on your first statement.
Is there a welcome bonus to offset the joining fee?
Yes, you get 5,000 EDGE Miles (worth Rs. 5,000) after spending Rs. 1,000 within 30 days. This welcome benefit easily covers the cost of the joining fee.
What is the annual or renewal fee?
From the second year onwards, an annual renewal fee of Rs. 3,000 plus applicable GST is charged on your card anniversary date.
Is there an annual fee waiver option based on spending?
This card does not offer a standard spend-based annual fee waiver. You receive 1,500 EDGE Miles every year to offset the recurring cost.
Do I get any bonus points when I pay the renewal fee?
Yes, you receive 1,500 EDGE Miles every year on your card anniversary. Since 1 mile is Rs. 1, this gives you Rs. 1,500 value back against your Rs. 3,000 fee.
How can I get this card lifetime free?
Premium cards like this are rarely lifetime free. You can check for special corporate salary account offers or limited-time promotional campaigns in the Axis Bank mobile app.
Are GST charges on the annual fee refundable?
No, the 18% GST charged on your joining and annual fees goes to the government and is not refundable, even if the bank waives the base fee later as a courtesy.
What happens if I cancel the card before the annual fee is charged?
If you close the card entirely before your anniversary billing cycle triggers, you will not be charged the renewal fee for the upcoming year.
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
6LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Getting approved for the Axis Bank Horizon Credit Card requires a stable financial profile. The bank pe...
Read MoreRead Less
Getting approved for the Axis Bank Horizon Credit Card requires a stable financial profile. The bank pe...
Getting approved for the Axis Bank Horizon Credit Card requires a stable financial profile. The bank permits applications from individuals with a minimum age of 18 and a maximum age of 70 years. However, our financial experts note that applicants aged between 21 and 60 years have significantly higher chances of instant approval, as this age bracket represents the most active earning years.
Both salaried employees and self-employed professionals can apply. If you are salaried, you need a minimum income of Rs. 3 lakh per year, which breaks down to Rs. 25,000 per month. This is highly accessible for most working professionals. If you are self-employed, the requirement is slightly higher; you must show an annual income of at least Rs. 4 lakh via your latest ITR documents.
Credit history plays a huge role in your application. A minimum credit score of 720 (CRIF/CIBIL) is highly recommended for approval. If your score is below 720 due to past missed payments or high credit utilization, your application may face rejection or require additional manual verification by the bank.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The bank allows applicants as young as 18 years old. However, experts recommend being at least 21 years old to improve your chances of getting approved.
What is the maximum age limit for the primary cardholder?
The maximum age limit allowed by the bank is 70 years at the time of application. Approval after age 60 depends heavily on existing banking relationships and pension income.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 25,000, which equals an annual income of Rs. 3 lakh, to be eligible for the Axis Bank Horizon Credit Card.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate a minimum annual income of Rs. 4 lakh using their latest Income Tax Returns.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals are eligible to apply, provided they meet the respective minimum income criteria and maintain a good credit score.
What credit score is needed for approval?
A minimum CRIF or CIBIL score of 720 is recommended. A score above this threshold indicates responsible credit behavior and speeds up the approval process.
Will my application be rejected if my credit score is below 720?
While a score below 720 significantly increases the chances of rejection, Axis Bank looks at the complete profile. High income and existing bank relationships might help borderline cases.
Do I need to be an Indian citizen to apply?
Yes, you must be a resident Indian to apply for this card. Non-Resident Indians can apply by providing proof of an NRE/NRO account and a valid Indian correspondence address.
Can I get an add-on card for my spouse?
You can apply for up to three add-on cards for immediate family members, including your spouse, parents, or children above 18 years of age.
Does having an Axis Bank savings account help my application?
Yes, maintaining a healthy savings or salary account with Axis Bank often leads to pre-approved offers and a much smoother documentation process.
All Card Benefits
- 5000 EDGE Miles credited on the first transaction greater than or equal to ₹1000 within 30 days of card issuance.
- 1500 EDGE Miles credited upon card anniversary each year.
- 5 EDGE Miles for every ₹100 spent on Axis Bank Travel EDGE portal and airline bookings.
- 2 complimentary international lounge accesses per calendar quarter.
- 6-8 complimentary lounge visits per calendar quarter, depending on card type (Mastercard® or Visa).
- Discounts and benefits at top restaurants across India under the Dining Delights Program.
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5000, capped at ₹400 per statement month.
- Lost card liability cover up to ₹10 lakh for fraudulent transactions.
- Special offers every Wednesday for additional savings and perks.
Welcome and Anniversary Benefits
The Axis Bank Horizon Credit Card greets new users with a generous ...
Read MoreRead Less
Welcome and Anniversary Benefits The Axis Bank Horizon Credit Card greets new users with a generous ...
Welcome and Anniversary Benefits
The Axis Bank Horizon Credit Card greets new users with a generous welcome bonus. You receive 5,000 EDGE Miles when you make your first transaction of Rs. 1,000 or more within 30 days of the card being issued. Because 1 EDGE Mile is worth Rs. 1, this welcome bonus translates directly to Rs. 5,000 in travel value. For example, if you spend Rs. 1,500 on groceries your first week, you immediately earn Rs. 5,000 worth of flights. This more than covers your Rs. 3,000 joining fee.
The card also rewards your loyalty. Every year on your card anniversary, you receive 1,500 EDGE Miles. This gives you a guaranteed Rs. 1,500 value every year to offset your annual renewal fee.
Reward Points Structure for Travel
Travel spending is where the Axis Bank Horizon Credit Card truly shines. You earn 5 EDGE Miles for every Rs. 100 spent on airline bookings and through the Axis Bank Travel EDGE portal. This gives you a massive 5% return on your travel expenses. For example, if you book a family vacation with flights costing Rs. 40,000, you will earn 2,000 EDGE Miles. That is Rs. 2,000 saved, ready to be used for your next hotel stay or flight upgrade.
Additionally, the card provides special Wednesday offers. You get up to 15% instant savings on flights and hotels booked via MakeMyTrip every Wednesday. If you time your bookings right, you can stack significant upfront discounts with high reward earnings.
Airport Lounge Access
Waiting at the airport becomes much more comfortable with this card. Depending on your card network, you get excellent domestic lounge coverage. Visa cardholders receive 8 complimentary domestic lounge visits per calendar quarter, while Mastercard cardholders receive 6 visits per quarter. This frequency is much higher than standard cards, which usually offer just one or two visits.
For international travelers, the card provides 2 complimentary international lounge accesses per calendar quarter. If you have a long layover in Dubai or Singapore, you can enjoy free food, drinks, and Wi-Fi. Just remember to check the Axis Bank portal for the list of participating lounges before your trip.
Dining and Delivery Benefits
Food lovers get substantial savings through the Dining Delights Program. You get up to 30% off on dining via EazyDiner. The discount structure is tiered: standard retail cards get 15% off, Burgundy Debit holders get 25% off, and HNI cards get 30% off, plus a special 50% birthday offer for HNI clients.
For ordering in, the card offers specific Wednesday bank deals. You get a flat 10% off on Swiggy orders every Wednesday. If you order a Rs. 1,000 dinner for the family mid-week, you save Rs. 100 instantly just by using this card.
Fuel Surcharge Waiver
Like most premium cards, the Axis Bank Horizon Credit Card helps you save slightly at the pump. You get a 1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000 across all petrol pumps in India. The maximum waiver you can claim in a single statement month is capped at Rs. 400. For example, if you spend Rs. 4,000 on petrol, the Rs. 40 surcharge added by the pump will be reversed in your statement.
Insurance and Security
To keep your finances secure, the card comes with a lost card liability cover up to Rs. 10 lakh. If you lose your card or it gets stolen, you are protected against fraudulent transactions up to this limit from the moment you report the loss to Axis Bank customer care. This offers peace of mind when traveling abroad with high credit limits.
View FAQ
Commonly Asked Questions
How do I qualify for the 5,000 EDGE Miles welcome bonus?
You need to make a single transaction of at least Rs. 1,000 within the first 30 days of your card issuance. Once completed, the 5,000 EDGE Miles will be credited to your account.
What is the monetary value of the welcome bonus?
Since 1 EDGE Mile equals Rs. 1, the 5,000 EDGE Miles welcome bonus has an exact value of Rs. 5,000. You can use this amount directly for flight or hotel bookings.
Do I get bonus points every year?
Yes, the Axis Bank Horizon Credit Card provides 1,500 EDGE Miles upon your card anniversary every year. This gives you Rs. 1,500 in value just for renewing your membership.
When will the welcome miles reflect in my account?
The miles are typically credited to your EDGE Rewards account in your next billing cycle after you complete the qualifying transaction of Rs. 1,000.
How many reward points do I earn on flight bookings?
You earn 5 EDGE Miles for every Rs. 100 spent on airline bookings and the Axis Travel EDGE portal. This means a Rs. 10,000 flight booking will earn you 500 EDGE Miles.
What is the exact value of 1 EDGE Mile?
Every 1 EDGE Mile is equal to Rs. 1. This makes calculating your rewards extremely simple compared to other bank programs where point values fluctuate.
Do I earn 5 EDGE Miles on train and bus bookings?
No, the accelerated 5 EDGE Miles per Rs. 100 rate specifically applies to airline spending and Axis Travel EDGE bookings. The card does not offer special categories for railway or bus benefits.
How does the MakeMyTrip Wednesday offer work?
Every Wednesday, you can get up to 15% instant savings on flight and hotel bookings made through the MakeMyTrip platform using your Axis Bank Horizon Credit Card. Apply the promo code AXISWED at checkout to claim the discount.
Do I earn rewards on everyday shopping?
The base reward rate applies to standard retail spends, but specific multiplier benefits like the 5 EDGE Miles offer are restricted to travel portals and airlines.
Are my reward points capped per month?
There is no monthly cap on the EDGE Miles you can earn under the 5x travel category, allowing you to maximize rewards on all airline and portal bookings.
Do I earn points when I pay my utility bills?
No, utility payments are specifically excluded from earning any reward points on this card. A Rs. 5,000 electricity bill payment will earn zero EDGE Miles.
Do I earn points on insurance premiums?
No, insurance premium payments do not qualify for reward points. The bank excludes this category completely from the rewards program.
Will I earn points if I load my digital wallet?
No, wallet loading transactions are excluded. Adding Rs. 10,000 to Paytm or Amazon Pay will not generate any EDGE Miles.
Can I earn points on rent payments?
Rent payments are excluded from earning rewards. Furthermore, the bank charges a 1% fee on all rent transactions.
Do government payments earn rewards?
No, payments made to government institutions, including advance taxes and property taxes, are excluded from the rewards program.
Do I earn rewards on school fees?
No, educational institution payments do not earn any EDGE Miles on the Axis Bank Horizon Credit Card.
How many domestic lounge visits do I get?
If you hold the Visa variant, you get 8 complimentary visits per calendar quarter. If you hold the Mastercard variant, you get 6 complimentary visits per calendar quarter.
Do I get international airport lounge access?
Yes, the card offers 2 complimentary international lounge accesses per calendar quarter for the primary cardholder.
Can my guests use my free lounge visits?
Complimentary lounge visits are for the primary cardholder only. If you swipe for a guest, your card will be charged the standard entry fee of Rs. 2,000 to Rs. 3,000.
Do I get railway lounge access with this card?
No, the Axis Bank Horizon Credit Card does not offer any complimentary access to railway lounges in India.
How do I access the international lounges?
You use your credit card directly or a supplementary Priority Pass/LoungeKey membership to gain access at the reception of participating international airport lounges.
How much discount do I get on EazyDiner?
You get up to 30% off depending on your banking relationship. Standard retail Axis Bank Horizon Credit Card users get a 15% discount on participating restaurants via EazyDiner.
What is the Swiggy offer on this card?
You get a 10% discount on Swiggy food delivery orders every Wednesday when paying with your Axis Bank Horizon Credit Card.
Is there any discount for beauty products?
Yes, the card offers a 10% discount up to Rs. 1,000 on Tira every Wednesday, allowing you to save on cosmetics and personal care.
Do I earn EDGE Miles on restaurant bills?
Yes, dining spends usually fall under standard retail categories, meaning you will earn base reward points while also taking advantage of the upfront EazyDiner discounts.
Are there any discounts for movie tickets?
No, this card does not offer any complimentary movie tickets or specific discounts on platforms like BookMyShow or PVR.
What is the fuel surcharge waiver on this card?
You get a 1% surcharge waiver on fuel spends. To qualify, your transaction amount must be strictly between Rs. 400 and Rs. 5,000.
What is the maximum fuel surcharge waiver per month?
The maximum waiver is capped at Rs. 400 per statement cycle. Once you reach this limit, further fuel purchases will attract the standard 1% surcharge.
Do I earn reward points when buying petrol?
No, fuel transactions are completely excluded from the EDGE Miles reward program. You only get the surcharge waiver, not reward points.
Are GST charges on the fuel surcharge refunded?
Typically, only the 1% surcharge is waived. The 18% GST applied on that surcharge is not reversed and will remain on your credit card bill.
What is the lost card liability cover amount?
The Axis Bank Horizon Credit Card provides protection up to Rs. 10 lakh against fraudulent transactions in case your card is lost or stolen.
When does the fraud cover become active?
The liability cover activates the moment you report the loss of your card to the Axis Bank customer service hotline. Any unauthorized transactions made after reporting are covered.
Does the card offer air accident insurance?
The card includes a comprehensive air accident cover of up to Rs. 1 crore for travel tickets booked using the card, providing essential protection for international and domestic travelers.
How do I claim the fraud protection cover?
You must immediately block your card through the app or customer care, report the fraudulent transactions, and submit a dispute form along with an FIR if requested by the bank.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 EDGE Mile = ₹1
Redemption Options
- Flight Booking
- Hotels
- Experiences via the Axis Bank Travel EDGE platform or the EDGE Miles catalogue.
To check redemption catalogue
The Axis Bank Horizon Credit Card uses EDGE Miles, which are incredibly straightforward to redeem. You ...
Read MoreRead Less
The Axis Bank Horizon Credit Card uses EDGE Miles, which are incredibly straightforward to redeem. You ...
The Axis Bank Horizon Credit Card uses EDGE Miles, which are incredibly straightforward to redeem. You do not have to worry about complex conversion ratios because 1 EDGE Mile is equal to exactly Rs. 1. You can redeem these miles for flight bookings, hotel reservations, or special experiences directly through the Axis Bank Travel EDGE platform.
For example, if you have accumulated 12,000 EDGE Miles, you possess exactly Rs. 12,000 in redemption value. You can log into the Travel EDGE portal, select a round-trip flight to Goa that costs Rs. 12,000, and pay entirely using your miles. No cash leaves your pocket. If your flight costs Rs. 15,000, you can use your 12,000 miles and pay the remaining Rs. 3,000 using your credit card. Note that every time you place a redemption request, the bank charges a handling fee of Rs. 99 plus GST.
View FAQ
Commonly Asked Questions
What is the value I get when I redeem my reward points?
The Axis Bank Horizon Credit Card offers a flat conversion rate where 1 EDGE Mile is equal to Rs. 1. Therefore, 5,000 miles give you Rs. 5,000 in redemption value.
Where can I redeem my EDGE Miles?
You can redeem your miles for flights, hotels, and experiences via the Axis Bank Travel EDGE platform, or pick products from the EDGE Miles catalogue at https://edgerewards.axis.bank.in/lms/.
Is there a fee for redeeming my reward points?
Yes, a reward redemption handling fee of Rs. 99 plus applicable GST is charged per redemption request, regardless of how many points you redeem at once.
Is there a minimum point balance required for redemption?
You must have a minimum balance of 500 EDGE Miles before you can initiate a redemption order on the Travel EDGE portal.
How do I redeem miles for flight bookings?
Log into the Axis Travel EDGE portal using your bank credentials, search for your preferred flight, and choose the "Pay with EDGE Miles" option at the checkout page.
Do my EDGE Miles expire?
EDGE Miles expire 36 months from the date of accumulation, providing a three-year window to use your points for travel.
Can I redeem EDGE Miles for statement credit?
The primary redemption options are flights, hotels, and catalog products; direct cashback for statement credit is not permitted on this travel-focused program.
What happens to my unredeemed points if I close the card?
Unredeemed rewards are usually forfeited upon card closure. You must redeem all your accumulated EDGE Miles before initiating the card cancellation process.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Transportation
Tolls
Utilities
Telecom
Insurance
Educational Institutions
Govt. Institutions
Wallet
Rent
Fuel
For Spends Waiver
Exclude fuel
insurance
and utility spend waivers
Not every purchase you make will earn you 5% back. Axis Bank has a strict list of exclusions where zero...
Read MoreRead Less
Not every purchase you make will earn you 5% back. Axis Bank has a strict list of exclusions where zero...
Not every purchase you make will earn you 5% back. Axis Bank has a strict list of exclusions where zero EDGE Miles are awarded. If you swipe your card for transportation, tolls, utilities, telecom bills, insurance premiums, educational institutions, government institutions, wallet top-ups, rent, or fuel, you earn nothing. For example, if you pay a Rs. 30,000 annual life insurance premium, you get zero reward points. If you pay a Rs. 15,000 school fee, you earn nothing. Understanding these exclusions is critical so you don't route large essential bills through this card expecting massive travel rewards.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
You will not earn EDGE Miles on transportation, tolls, utilities, telecom, insurance, educational institutions, government institutions, wallet top-ups, rent, and fuel transactions.
Are utility bill payments such as electricity excluded from rewards?
Yes, utility payments like electricity, water, and gas bills are completely excluded from earning rewards on the Axis Bank Horizon Credit Card.
Does paying rent with this card earn reward points?
No, rent payments are excluded from reward earning. Additionally, the bank charges a 1% fee on the total transaction amount for paying rent.
Are insurance premium payments excluded from rewards?
Yes, payments made for life, health, or vehicle insurance premiums fall under excluded categories and will not accumulate any EDGE Miles.
Do wallet top-ups earn rewards on this card?
No, loading money into digital wallets like Paytm, Amazon Pay, or MobiKwik is excluded from the rewards program.
Are education or school fee payments excluded from earning rewards?
Yes, educational institution payments, including school and college fees, are categorized as exclusions and do not earn rewards.
Are fuel transactions excluded from earning rewards?
Yes, fuel transactions do not earn EDGE Miles. However, you do get a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000.
What happens if I accidentally make a payment in an excluded category?
The transaction will process normally and your payment to the merchant will be successful. You simply will not earn any EDGE Miles for that specific amount on your statement.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees 3.75% monthly interest charge (55.55% annually) applicable on outstanding balances | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of ₹100 is charged for payments made through cheque | ₹100 |
Cash Payment Fees ₹100 fee applicable on cash payments made at bank branches | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹750 | ₹500 |
| ₹5001 - ₹1200 | ₹750 |
| ₹1200 - ₹10000 | ₹1200 |
Understanding the exact cost of carrying a premium card is vital. The Axis Bank Horizon Credit Card has...
Read MoreRead Less
Understanding the exact cost of carrying a premium card is vital. The Axis Bank Horizon Credit Card has...
Understanding the exact cost of carrying a premium card is vital. The Axis Bank Horizon Credit Card has a very specific fee structure that can catch you off guard if you miss payments or use the card for the wrong types of transactions, like rent or cash withdrawals. Below is a detailed breakdown of every fee associated with this card.
The joining fee for the card is Rs. 3,000 plus applicable GST. This fee is non-negotiable and charged when the card is issued, but it is effectively offset by the welcome benefit of 5,000 EDGE Miles (worth Rs. 5,000) you receive after making your first Rs. 1,000 spend within 30 days.
From the second year, an annual renewal fee of Rs. 3,000 plus GST applies. The card does not offer a spend-based annual fee waiver. However, the annual anniversary bonus of 1,500 EDGE Miles (worth Rs. 1,500) covers half of this cost.
If you do not pay your total amount due by the due date, you will lose your interest-free period and be charged an APR (Annual Percentage Rate) of 3.75% per month, which equals 55.55% per annum. For example, if you carry forward an unpaid balance of Rs. 10,000, the interest for just one month will be roughly Rs. 375, and this applies to all new purchases from their transaction date as well.
Late payment charges range from Rs. 500 for balances over Rs. 1,000 to Rs. 1,300 for balances exceeding Rs. 50,000. Always pay at least the minimum amount on time to avoid these penalties.
When you travel internationally or shop on foreign websites, a forex markup fee of 3.5% is applied to the transaction. For example, if you swipe your card in Dubai for an amount equivalent to Rs. 10,000, the bank will add a Rs. 350 markup fee to your bill, plus GST on that fee.
If you use your credit card to withdraw cash from an ATM, you will be hit with a steep cash advance fee of 2.5% of the withdrawn amount, subject to a minimum of Rs. 500. For instance, withdrawing Rs. 10,000 will cost you a Rs. 250 fee immediately, and interest starts accumulating from day one.
Using your credit card to pay rent is expensive. A rent payment convenience fee of 1% of the transaction amount is charged. If you pay a monthly rent of Rs. 25,000 using this card, the bank will add a Rs. 250 fee to your statement, making it a poor choice for housing expenses.
When booking train tickets directly on the IRCTC website using this card, a railway surcharge of 1.0% plus taxes is applied. Since this card offers no special railway waivers, booking a Rs. 2,000 ticket will cost an extra Rs. 20 in surcharge fees.
There is no cash payment fee associated with this card. You can walk into an Axis Bank branch and deposit cash against your credit card bill without worrying about the Rs. 100 penalty some other banks charge.
There is no cheque payment fee charged either. You can safely drop a cheque in an Axis Bank dropbox to clear your outstanding dues without any processing charges from the bank.
Every time you decide to use your accumulated points, a reward redemption handling fee of Rs. 99 plus applicable GST is applied per request. Whether you redeem 1,000 miles or 10,000 miles in one go, you will pay this flat Rs. 99 fee, slightly reducing the net value of your rewards.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 3,000 + GST |
| Annual Fee | Rs. 3,000 + GST |
| Interest Rate (APR) | 3.75% per month (55.55% p.a.) |
| Late Payment Charges | Rs. 500 - Rs. 1,300 |
| Forex Markup Fee | 3.5% |
| Cash Withdrawal Fee | 2.5% (Min Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1% + taxes on IRCTC |
| Cash Payment Fee | N/A |
| Cheque Payment Fee | Nil |
| Reward Redemption Fee | Rs. 99 + GST per request |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 3,000 plus GST, charged at the time of card issuance.
What is the annual or renewal fee?
The annual renewal fee is Rs. 3,000 plus GST, applicable from the second year onwards.
Is there an annual fee waiver based on spending?
There is no standard spend-based annual fee waiver for this card. You receive 1,500 anniversary EDGE Miles instead to help offset the cost.
How can I get this card lifetime free?
This card is not offered as lifetime free. Check for special corporate tie-ups or salary account upgrades within the Axis Bank mobile app for potential fee waivers.
What is the interest rate if I don't pay my full balance?
The APR is 3.75% per month, which translates to 55.55% per annum. A Rs. 10,000 unpaid balance accrues about Rs. 375 in interest monthly.
How is the interest calculated on outstanding balances?
If you fail to pay the total amount due, you lose your 20-55 day interest-free period. Interest of 3.75% per month applies retroactively from the transaction date.
What are the late payment charges?
Late payment charges range from Rs. 500 to Rs. 1,300 depending on the size of your outstanding statement balance.
What is the forex markup for international transactions?
A 3.5% forex markup fee is charged. Spending Rs. 1,00,000 equivalent on an international website will cost you an extra Rs. 3,500 in fees.
Can I withdraw cash using my credit card?
Yes, but it is highly discouraged due to the steep fees and immediate interest accumulation on the withdrawn amount.
What are the cash withdrawal charges and limits?
You are charged 2.5% of the withdrawn amount, with a minimum fee of Rs. 500. Withdrawing Rs. 2,000 still costs you the flat Rs. 500 fee.
Are there fees for paying rent with this card?
Yes, paying rent via this card attracts a 1% transaction fee. A Rs. 30,000 rent payment will result in a Rs. 300 fee on your statement.
Is there a fee for paying my bill in cash?
No, there is no fee associated with making cash payments toward your credit card bill at an Axis Bank branch.
What are the charges for cheque payment of bills?
Axis Bank does not charge any cheque processing fee for credit card bill payments.
Are there charges for railway ticket bookings?
Yes, booking domestic tickets on IRCTC attracts a 1% surcharge plus taxes, as this card provides no railway fee waivers.
Is there a fee to redeem my reward points?
Yes, a handling fee of Rs. 99 plus GST is charged every time you submit a reward redemption request on the Axis Travel EDGE portal.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity proof is required?
You must provide a clear copy of your PAN Card. This is a mandatory requirement for all credit card applications in India.
What documents are accepted for address proof?
The bank accepts your Aadhaar Card, Passport, Voter ID, or a recent utility bill as valid proof of address.
What income proof do salaried individuals need?
Salaried applicants need to submit their latest 2 months' salary slips and a copy of their bank statement showing the salary credits.
What income proof is required for self-employed applicants?
Self-employed individuals must provide their latest Income Tax Return (ITR) documents, computation of income, and recent business bank statements.
Do I need to submit a photograph?
If applying offline, you need passport-sized photographs. For online applications, a live selfie taken during the Video KYC process is sufficient.
Can I use my rental agreement as address proof?
Registered rent agreements are sometimes accepted, but an Aadhaar card or Passport with your current address guarantees a much smoother approval process.
Who Should Get This Card?
The Frequent Flyer: If you take multiple domestic flights a year for business or leisure, you should absolutely get this card. Spending Rs. 1 lakh on flights via the Travel EDGE portal yields 5,000 miles (Rs. 5,000), paying for your next ticket effortlessly.
The Welcome Bonus Hunter: If you want instant value, the math works in your favor. Pay a Rs. 3,000 fee, spend Rs. 1,000, and get Rs. 5,000 back. It is a net positive deal right out of the gate.
Who Should NOT Get This Card: If you are a homebody whose biggest expenses are rent, electricity bills, and insurance premiums, skip this card. All those categories are excluded from earning rewards. You will be paying a Rs. 3,000 fee for zero return. Look for a flat cashback card instead.
Credit Limit and What to Expect
Your credit limit is not fixed for the Axis Bank Horizon Credit Card; it depends entirely on your income profile and credit score. If you earn Rs. 25,000 a month, you can expect a starting limit around Rs. 50,000 to Rs. 75,000. If you show an ITR of Rs. 15 lakh, your starting limit will easily exceed Rs. 3 lakh. Paying your bills on time and utilizing less than 30% of your limit will prompt the bank to offer you free credit limit enhancements after 6 to 12 months.
View FAQ
Commonly Asked Questions
What will be my starting credit limit?
Your starting limit is determined by your monthly income and credit score, with most users starting at a limit of approximately 2 to 3 times their monthly take-home salary.
Can I request a higher credit limit immediately?
Usually, banks require you to use the card responsibly for at least 6 months before entertaining a credit limit increase request.
How do I check my available credit limit?
You can check your total and available credit limits instantly using the Axis Bank mobile app, internet banking portal, or by sending a designated SMS from your registered number.
What happens if I spend more than my credit limit?
If you cross your credit limit, the transaction may be declined. If approved, the bank will charge a hefty over-limit penalty fee on your next statement.
Can I set daily transaction limits on my card?
Yes, as per RBI guidelines, you can log into the Axis Bank app to set daily limits for online, POS, contactless, and international transactions for better security.
Will checking my credit limit impact my credit score?
No, checking your own limit via the bank app has absolutely no impact on your CIBIL or CRIF score.
How to Apply?
Applying for the Axis Bank Horizon Credit Card is a fully digital process that takes just a few minutes. You can start your application on the official Axis Bank website or via trusted financial platforms. You will be asked to fill in your PAN details, monthly income, and employment status. Once the preliminary check is complete, you will proceed to the Video KYC verification.
Video KYC allows you to finish the verification from your living room without meeting a bank agent. Keep your original physical PAN card handy and ensure your room has good lighting. The bank executive will take a photo of you and your PAN card over a video call. After successful Video KYC, final approval usually takes 7 to 10 working days, after which the physical card is mailed to your registered address.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online through the official Axis Bank website, the Axis Mobile app, or authorized partner platforms. You can also apply offline at an Axis Bank branch.
What is Video KYC and is it mandatory?
Video KYC is a digital verification process over a video call with a bank agent. It is mandatory for completing online applications without submitting physical paperwork.
What do I need for a successful Video KYC call?
You need your original physical PAN card, a blank paper with a blue/black pen for a live signature, a stable internet connection, and good lighting in the room.
Can I apply if I already have an Axis Bank credit card?
Yes, Axis Bank generally allows customers to hold multiple credit cards, subject to overall credit limit constraints and internal bank policies.
How can I track my application status?
After applying, you will receive an Application Reference Number (ARN) via SMS. You can enter this ARN on the Axis Bank tracking portal to see your current status.
How long does the approval process take?
If your Video KYC is successful and no further manual income verification is needed, approval typically takes 7 to 10 working days.
What happens if my Video KYC call drops?
If the call drops due to internet issues, you will receive a fresh link via SMS or email to restart the process from where you left off.
Do I need to submit physical income documents?
If the bank cannot fetch your income details digitally, you may be asked to upload PDF copies of your latest salary slips or ITR documents on the portal.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1750 Rewards
Top Benefits
5000 EDGE Miles on First transaction
will be credited on the first transaction of ₹1000 or more within 30 days of card issuance.
Get 2 Complimentary International Lounge Visits
per quarter and 8 domestic lounge visits for Visa Signature cardholders.
The smartest way to find your great credit card
We value your time and privacy. Your details stay secure and are used only to help you.
Company
We value your time and privacy. Your details stay secure and are used only to help you.