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Axis Bank Horizon Credit Card

4.2 from 481 Users

All Card USPs

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.

Complimentary Lounge Visits

get 2 complimentary international lounge visits per quarter and 8 domestic lounge visits for Visa Signature cardholders.

100% Cashback on Utility Bill Payments

on the first utility bill payment of each month.

Best For

Fuel

Dining

Travel

Joining/Annual Fees

Joining Fees

₹3,540 ( ₹3000 + GST )

N/A

Annual Fees

₹3,540 ( ₹3000 + GST )

N/A

Eligibility

Age Criteria

18-70 years

Salary Criteria

3 LPA

Credit Rating*

720+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

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

Click Here

All Card Benefits

All 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.

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

Bank Fee Structure

StructureDetails
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.
Examples (3.5%):
₹100 → ₹3.5
₹1,000 → ₹35
₹10,000 → ₹350
₹1,00,000 → ₹3,500

3.50%
APR Fees

3.75% monthly interest charge (55.55% annually) applicable on outstanding balances

3.75%
ATM Withdrawl

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

Additional ₹100 for non-payment of MAD for 2 cycles (applicable every cycle until cleared)

Amount Due
₹0 - ₹500 ₹0
₹501 - ₹750 ₹500
₹5001 - ₹1200 ₹750
₹1200 - ₹10000 ₹1200

Apply for this card

TOP USPs

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.

Apply Now