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Axis Bank Horizon Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Premium

Join / Annual

₹0/₹3000

Base Rate

2.0%

Reward Type

Points

Overview

The Axis Bank Horizon Credit Card is a Premium credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹3,000
Eligibility: Min. age 18-70 years, CIBIL score of 750 or higher recommended.

Reward Rates & Cashback Rules

  • MERCHANT – Axis Bank Travel EDGE: 5.0% cashback | via Axis Bank Travel EDGE
  • CATEGORY – Airlines: 5.0% cashback ⚠️ Only applicable on direct airline websites, apps, counters, and helplines.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Utilities: 0.0% cashback
  • CATEGORY – Telecom: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback

Key Features & Benefits

  • Welcome Benefit 🎁: 5,000 EDGE Miles on spending ₹1,000 within the first 30 days of card issuance.
  • Domestic Lounge Access ✈️: Up to 32 complimentary visits per year (8 per quarter) for the Visa variant.
  • International Lounge Access 🌍: 8 complimentary visits per year (2 per quarter).
  • Dining Discount 🍽️: 25% discount up to ₹800 per month at partner restaurants via EazyDiner. Minimum order value of ₹2,500 applies.
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹400 per statement month.
  • Renewal Benefit ✨: 1,500 EDGE Miles credited annually upon renewal from the second year.

Eligibility Criteria

Min. age 18-70 years, CIBIL score of 750 or higher recommended.

Features & Benefits

🎁

Welcome Benefit

5,000 EDGE Miles on spending ₹1,000 within the first 30 days of card issuance.

✈️

Domestic Lounge Access

Up to 32 complimentary visits per year (8 per quarter) for the Visa variant.

🌍

International Lounge Access

8 complimentary visits per year (2 per quarter).

🍽️

Dining Discount

25% discount up to ₹800 per month at partner restaurants via EazyDiner. Minimum order value of ₹2,500 applies.

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹400 per statement month.

✨

Renewal Benefit

1,500 EDGE Miles credited annually upon renewal from the second year.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Axis Bank Travel EDGE Via Axis Bank Travel EDGE
Reward: 5.0%
5%
Airlines
Reward: 5.0%
⚠️ Exceptions: Only applicable on direct airline websites, apps, counters, and helplines.
5%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion
Insurance Exclusion
Utilities Exclusion
Telecom Exclusion
Education Exclusion
Government Services Exclusion

Value Chart

Assuming basic spends for Axis Bank Horizon Credit Card

Category Axis Bank Horizon Credit Card Axis Bank Magnus Credit Card Axis Bank Select Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0
₹
Annual Fee 		₹3000 ₹12500 ₹3000
🌍
Forex Markup 		3.5% 3.5% 3.5%
%
Base Rate 		2.0% 6.0% 5.0%
★
Known Rules 		11 rules 8 rules 11 rules

Pros & Cons

✓

Pros

  • + Axis Bank Travel EDGE — 5.0% Points
  • + Airlines — 5.0% Points
  • + Welcome Benefit
  • + Domestic Lounge Access
  • + International Lounge Access
  • + Dining Discount
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on EMI
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹3000

Net Value

+₹3000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › High spenders who can offset the annual fee through rewards
  • › Frequent flyers who value unlimited airport lounge access
  • › Travellers who use hotel & lifestyle benefits regularly

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The joining and annual fee for the card is ₹3,000 + GST. There is no spend-based waiver for the annual fee.

The Visa variant offers up to 32 complimentary domestic lounge visits per year (8 per quarter) and 8 complimentary international lounge visits per year (2 per quarter).

You earn 5 EDGE Miles per ₹100 on the Axis Travel EDGE portal and direct airline bookings. For all other eligible spends, you earn 2 EDGE Miles per ₹100.

Yes, spends on Fuel, Rent, Wallet Loads, EMI, Insurance, Utilities, Telecom, Education, and Government services are excluded from earning reward points.

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