By: Our Money Guide | Last updated on: November 27, 2025

The Axis Horizon Credit Card stands as one of India's most attractive mid-premium travel credit card, offering value for frequent travelers. With a joining and annual fee of ₹3,000, this card delivers premium travel benefits including reward points transfers to a wide range of partners, generous airport lounge access, and attractive welcome benefits. 

Originally designed as a replacement for Citi PremierMiles cardholders during the Axis-Citibank merger, the Horizon card has emerged as a strong travel card in its segment.

Axis Horizon Credit Card: Key Highlights

Annual Fee₹3,000 + GST (No spend-based waiver)
Welcome Offer5,000 EDGE Miles on first spend of ₹1,000+
Renewal Offer1,500 EDGE Miles annually
Travel Rewards5 EDGE Miles per ₹100 on airline & Travel Edge bookings
Base Rewards2 EDGE Miles per ₹100 on all other eligible spends
Rewards Redemption 2 options
  • 1 EDGE Mile = 1 airmile/hotel point (15+ airlines and hotel partners)
  •  1 EDGE Mile = ₹1, can be redeemed for travel
Domestic Lounge Access32 visits annually (Visa) / 24 visits (Mastercard)
International Lounge8 visits annually across global airports
Dining Benefits15% discount on EazyDiner restaurants (up to ₹500), once per month
Fuel Surcharge Waiver1% waiver up to ₹400/month
Insurance Cover₹10 lakh lost card liability protection
Best ForFrequent travelers eligible only for a mid-premium credit card


Axis Bank Horizon Credit Card - Our Money Guide

Features & Benefits of the Axis Bank Horizon Credit Card

Rewards on Card Spending

Accelerated Rewards on Travel Spending (5%)

5 EDGE Miles per ₹100 spent on:

  • Axis Bank Travel Edge portal bookings
  • Direct airline website purchases
  • Airline counter transactions
  • Airline helpline bookings

Base Reward Rate (2%)

For all other eligible spending categories, cardholders earn 2 EDGE Miles per ₹100 spent, providing decent value across diverse purchase categories.

Excluded Categories for Miles Earning: EDGE Miles are not given on the following spending categories: 

  • Fuel transactions, Utility bill payments
  • Insurance premiums, Educational institution payments
  • Government institution transactions, Wallet loading
  • Rent payments, Transportation and tolls

EDGE Miles Redemption

  1. EDGE Miles can be redeemed on Axis Bank's rewards redemption platform (Travel Edge Portal). 1 EDGE Mile = ₹1.
  2. 1:1 point-to-mile conversion ratio across 15+ travel partners, including Qatar Airlines, SpiceJet, Air Asia, and more. 1 EDGE Mile = 1 travel partner point

Annual Transfer Limits: Total EDGE Miles that can be transferred to partner points in a calendar year is capped at 1.5 Lakh EDGE Miles per customer, with group-wise sub-capping of 1 Lakh EDGE Miles for Group A partners and 4 Lakh EDGE Miles for Group B partners.

Airport Lounge Access: Generous Lounge Limits

Domestic Lounge Benefits (Up to 32 Times Per Year)

The Axis Horizon Credit Card offers generous domestic airport lounge access:

  • Visa Variant: 8 domestic airport lounge visits per calendar quarter (32 visits per year)
  • Mastercard Variant: 6 complimentary visits per calendar quarter (24 visits per year)

International Lounge Access (Up to 8 Times Per Year)

Horizon Credit Cardholders can access international airport lounges twice each quarter, totalling eight international lounge visits annually. 

Additional Benefits & Perks

Restaurant Discounts

  • 15% off dining via EazyDiner, with maximum discount capped at ₹500
  • Minimum order value of ₹2,500
  • Valid once a month

Fuel Benefits

  • 1% fuel surcharge waiver only for transactions between ₹400-₹5,000
  • Maximum waiver amount of ₹400 per month

Wednesday Offers

Beat the mid-week blues with exciting offers every Wednesday, including instant savings of up to 15% on flights & hotels via MakeMyTrip.

Insurance Coverage

The card provides lost card liability cover of up to ₹10 lakh, ensuring financial protection against fraudulent transactions.

Axis Bank Horizon Credit Card Fees and Charges

Annual Fees

  • Joining Fee: ₹3,000 + GST
  • Annual Fee: ₹3,000 + GST (no spend-based waiver available)
  • Add-on Card: Free

Transaction Charges

Key transaction fees include 2.5% cash advance fee (minimum ₹500), 3.50% foreign currency markup on international transactions, and various utility/wallet loading fees.

Late Payment Structure

Late payment charges range from ₹500 for balances ₹501-₹5,000 to ₹1,200 for balances exceeding ₹10,000.

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Axis Horizon Vs Competitors

Card Name Annual Fee Benefits

Axis Bank Horizon Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 3000
  • Welcome offer: 5,000 EDGE Miles worth 5000 travel partner points
  • Renewal offer: 1500 EDGE Miles worth 1500 travel partner points
 Special Benefits
  • 5% reward on travel spends
  •  2% reward on other spends
  • Domestic airport lounge access, up to 32 times per year
  • International airport lounge access, 8 times per year

HDFC Bank Regalia Gold Credit Card

Minimum Income

Salaried: ₹1.5 lakh/month | Self-employed: ₹18 lakh/year | Government: ₹1 lakh/month

 Annual Fee - ₹ 2500
  • Welcome offers : ₹2,500 voucher + Swiggy One + MMT Black Gold membership (spend ₹1 lakh in 90 days)
  • Renewal offer : Annual fee waived on ₹4 lakhs annual spend
 Special Benefits
  • 17.3% reward on hotels and select partners
  •  8.6% reward on flights, gift vouchers, holiday packages and select partners
  • 5.2% reward on train tickets

Monthly limit: 4,000 accelerated reward points, reached at spending between ₹16,666 and ₹75000 depending on spend categories

  • Up to 2.1% additional reward based on quarterly & annual card spending
  • Domestic airport lounge access - 12 times per year
  • International airport lounge access - 6 times per year

IDFC First Ashva Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 2999
  • Welcome offer up to ₹3000 (spend based)
  • Renewal offer: 7500 reward points (worth ₹3000), at ₹8 lakh annual card spend
 Special Benefits
  • 16% reward on hotels, 10.6% on flights 
  • Domestic airport lounge access - 4 times per quarter
  • International airport lounge access - 2 times per quarter
  • Railway lounge access – 4 times per quarter
  • Up to 2 golf rounds or lessons per month
  • Free movie tickets - 2 per month (up to ₹400 each)

Conclusion

Who Should Apply for Axis Horizon Credit Card?

Most Suitable For

The Axis Horizon Credit Card is suitable for:

  • Frequent travelers looking for a good mid-level travel credit card (annual fee between ₹2500-3500), else go for higher reward cards like Axis Atlas or HSBC TravelOne
  • Frequent airport lounge users who value complimentary access without very high annual fees, lounge limits are higher than even some higher annual fee cards
  • Travel points optimizers familiar with points programs of airlines & hotels, and looking for a mid-level travel card with airline/ hotel points partners
  • Simple rewards seekers who prefer straightforward earning without complex tiers

Not Ideal For

The Axis Horizon Credit Card may not suit:

  • Heavy spenders eligible for premium/super-premium travel cards with higher rewards
  • Cashback seekers who prefer direct cash rewards over travel rewards
  • Non-travelers, since reward points can be redeemed primarily for airline & hotel bookings 
  • Low spenders (under ₹1 lakh annually) who may not justify the ₹3,000 annual fee

Conclusion: Is Axis Horizon Credit Card Worth It?

The Axis Horizon Credit Card is a good mid-level travel credit card. While it offers decent rewards on travel spending at a reasonable annual fee, it really excels with its outstanding airport lounge access benefits - up to 32 domestic and 8 international lounge visits annually.

For travelers seeking an affordable, feature-rich travel credit card without complex tier structures, the Axis Horizon Credit Card delivers good value. However, those eligible and willing to invest in a slightly higher annual fee may find premium alternatives that offer better travel rewards and additional lifestyle benefits.

Ready to apply? Click the application button below and begin your online application process.

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Frequently Asked Questions

The card offers 8 complimentary domestic airport lounge visits per calendar quarter for Visa variant and 6 for Mastercard variant, plus 2 international visits per quarter.

Yes, you can transfer EDGE Miles to airline & hotel partners at up to a 1:1 ratio, with annual limits of 1.5 lakh EDGE Miles total.

No, there is no spend-based annual fee waiver available, but cardholders do get 1500 EDGE Miles as a renewal benefit on payment of renewal fee each year. 

Cardholders earn 5 EDGE Miles per ₹100 on airline & hotel bookings, and 2 EDGE Miles per ₹100 on all other eligible categories (certain standard exclusions apply).

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