Axis Bank Horizon Credit Card
Axis Bank · Mastercard · Premium card
Offers a simple 5% travel earn rate at a lower annual fee than many premium travel cards, with a useful lounge package for frequent flyers.
Frequent flyers who book directly with airlines or through Travel EDGE and can use airport lounges.
Terms checked 13 Sept 2026
- Annual fee
- ₹3,000 + GST
- Joining fee
- ₹3,000 + GST
- Base reward rate
- 2%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 2% |
| Groceries & essentials | 2% |
| Dining & delivery | 2% |
| Travel & hotels | 2% |
| Beauty & wellness | 2% |
| Entertainment & movies | 2% |
| Healthcare & pharmacy | 2% |
| Subscriptions & streaming | 2% |
| Offline store shopping | 2% |
| International spending | 2% |
| Other miscellaneous | 2% |
| Gold & jewellery | 2% |
| Fuel & commute | 0% |
| Bills & utilities | 0% |
| Education & family | 0% |
| House rent | 0% |
| Insurance premiums | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
24 domestic airport lounge visits per year • 8 international airport lounge visits per year
6 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
Conservative Mastercard allowance; the Visa variant publishes eight domestic visits per quarter.
2 international airport lounge visits per quarter · Priority Pass
Guest access: Not specified
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Travel EDGE rewards
Usage-based value5 EDGE Miles per ₹100 only on eligible Axis Travel EDGE purchases.
Conditions: 5 EDGE Miles per ₹100 only on eligible Axis Travel EDGE purchases.
Direct-airline rewards
Usage-based value5 EDGE Miles per ₹100 only on airline-owned booking channels; travel agents and online travel agencies receive the base rate.
Conditions: 5 EDGE Miles per ₹100 only on airline-owned booking channels; travel agents and online travel agencies receive the base rate.
Other eligible EDGE Miles
Usage-based value2 EDGE Miles per ₹100 on other eligible purchases, including online travel agencies and travel agents.
1,500 renewal EDGE Miles on completion of each anniversary year for fee-paying cards
Shown without a cash valueFive EDGE Miles per ₹100 on Travel EDGE and eligible direct-airline channels
Shown without a cash valueTwo EDGE Miles per ₹100 on other eligible purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹3,000₹3,000 annual fee before applicable tax.
Joining fee
Cost ₹3,000₹3,000 one-time joining fee before applicable tax.
Welcome benefits · 1 item
5,000 EDGE Miles
Recorded value ₹5,000Welcome miles with issuer-stated value of ₹5,000.
Conditions: Pay the applicable joining fee · Complete a transaction of at least ₹1,000 within 30 days · Not available on lifetime-free issuance
Airport lounge access · 2 items
Domestic lounge access
Usage-based value6 visits per quarter through Issuer card. Guest access: not specified. Conservative Mastercard allowance; the Visa variant publishes eight domestic visits per quarter.
International lounge access
Usage-based value2 visits per quarter through Priority Pass. Guest access: not specified.
Dining · 1 item
Dining Delights and Wednesday Delight merchant discounts
Shown without a cash value
Insurance and protection · 1 item
Lost-card liability cover up to ₹10 lakh under policy conditions
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹400 per statement
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. Axis Bank publishes age and residency conditions but no universal numeric income threshold for Horizon.
Other benefits · 1 item
MakeMyTrip, Swiggy and Tira offers under their separate terms
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Five EDGE Miles per ₹100 on Travel EDGE and eligible direct-airline channels
- ✓ Two EDGE Miles per ₹100 on other eligible purchases
- ✓ Eight domestic lounge visits per quarter on Visa or six on Mastercard, plus two international visits per quarter
- ✓ 5,000 welcome EDGE Miles and 1,500 renewal EDGE Miles under fee-paying issuance
What to watch
There is no standard spend-based annual-fee waiver, and utilities, insurance, education, rent, fuel and transport transactions are excluded from miles.
Recorded exclusions
Fuel Commute · Bills Utilities · Education Family · Insurance · Rent · Wallet load · Government payments · Transportation tolls · Gift cards
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
DCC charge and reward exclusions revised
Axis Bank increased the dynamic-currency-conversion charge and added gift-card transactions to no-earn categories.
- Before
- The prior DCC rate and exclusion list applied.
- After
- DCC is 3.5% before tax and eligible gift-card transactions no longer earn EDGE Miles.
Checked 21 Sept 2026Axis Horizon terms revision ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 21 Aug 2026