Axis Bank
HORIZON Credit Card
Annual Fee
₹3,540₹3,000 + GSTBase Reward
2% points
Foreign Markup
3.5%
Welcome Benefits
5000 EDGE Miles credited on the first transaction greater than or equal to ₹1000 within 30 days.
Product Highlights
- 5,000 EDGE Miles as a welcome benefit.
- Earn 5 EDGE Miles/₹100 spent on Axis Bank Travel Edge and airline spends.
- Access to both international and domestic airport lounges.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
TravelEdge portal
5 EDGE Miles per ₹100 on TravelEdge & airline spends
airline websites
5 EDGE Miles per ₹100 on TravelEdge & airline spends
airline counters
5 EDGE Miles per ₹100 on TravelEdge & airline spends
airline helplines
5 EDGE Miles per ₹100 on TravelEdge & airline spends
Reward Calculator
Earns ₹840/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4.2K
Axis EDGE Miles
₹840
via edge catalogue · ₹0.2/pt
Effective rate
0.54%
Annual fee
FREE
Year 1 net
+₹840
Year 2+ net
+₹840
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
transportation, utility, insurance, education, government, wallet, rent, fuel
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5 EDGE Miles on every ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites. 2 EDGE Miles per ₹100 on all other spends.
- Redeem at Travel Edge. Also, Convert to Partner Points.
Benefits & Features
Domestic: 6 Per Calendar Quarter with Mastercard World Variant and 8 Per Calendar Quarter with Visa Signature Variant International: 8 Each Year (2 Every Quarter) Complimentary lounge access for primary cardholder with 2 international visits per quarter and 6 or 8 domestic visits depending on the card variant. A fee of ₹2 for Visa and ₹25 for Mastercard applies for lounge access, which is refundable.
Pros & Cons
Pros
- Access to domestic and international lounges without extra charges.
- High reward rate of 5 EDGE Miles for travel-related expenses.
Cons
- No spending-based waiver associated with the annual fee.
Additional Info
Important: 5,000 EDGE Miles welcome benefit is only applicable for the first year.
The card has no spend-based annual fee waiver, meaning the annual fee must be paid every year.
The Mastercard variant offers 6 domestic lounge visits, while the Visa variant offers 8.
Excluded Categories
Ready to apply?
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Fees & Charges
Eligibility
Min Age
18 yrs
Networks