Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

Axis Bank

Axis Bank Horizon Credit Card

Name: Axis Bank Axis Bank Horizon Credit Card
Brand: Axis Bank
Price: 3540 INR
Rating: 5.10 (1 reviews)

Ranked #20 of 171 in credit

creditMid-Travel

Axis Bank mid-tier travel card positioned as the Citi PremierMiles successor. Earns 5 EDGE Miles/₹100 on Travel EDGE portal and direct airline bookings, 2 EDGE Miles/₹100 elsewhere. Standout feature is 32 domestic + 8 international lounge visits per year with no spend gate. April 2026 devaluation removed Accor/Marriott transfers and worsened some conversion ratios to 2:1.

Score breakdown

Data completeness: 85% · Last verified: 03 Sept 2026

Reward value44/100 · weight 71%

≈ 2.18% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency58/100 · weight 12%

Redemption flexibility92/100 · weight 9%

Perks59/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹3,000 + 18% GST
= ₹3,540 total
Annual fee: ₹3,000 + 18% GST
= ₹3,540 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 32
International (per year): 8

Reward structure

Category	Type	Rate	Cap	Notes
online_travel_booking	miles	5.00%(5 mi @ ₹1.00)	—	5 EDGE Miles per ₹100 on Axis Travel EDGE portal and direct airline bookings; 1 EDGE Mile = ₹1 via Travel EDGE. Hotels and OTAs (MakeMyTrip, Goibibo) earn base 2/₹100 only
all_spends	miles	2.00%(2 mi @ ₹1.00)	—	2 EDGE Miles per ₹100 on all other eligible spends
fuel	miles	0.00%(0 mi @ ₹1.00)	—	No EDGE Miles on fuel
utilities	cashback	0%	—	No EDGE Miles on utilities/telecom
insurance	cashback	0%	—	No EDGE Miles on insurance
rent	cashback	0%	—	No EDGE Miles on rent
government	cashback	0%	—	No EDGE Miles on government/tax payments
wallet_load	cashback	0%	—	No EDGE Miles on wallet loads

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuelutilitiesinsurancerentjewellerygovernmentwallet loadeducationemi

Welcome offer

5,000 EDGE Miles on first transaction of ₹1,000+ within 30 days

Milestone benefits

Pros

32 domestic + 8 international lounge visits per year with NO spend gate — a 2026 outlier
5 EDGE Miles/₹100 on Travel EDGE and direct airline bookings
1:1 transfers to most remaining travel partners
generous transfer ceilings (1L Group A / 4L Group B / 5L total miles per year)
welcome 5,000 EDGE Miles + 1,500 anniversary miles

Cons

no annual fee waiver
April 2026 devaluation removed Accor, Marriott and Qatar (Qatar later restored at 2:1) transfers
British Airways, Finnair, IndiGo BluChip, Vietnam Airlines, Qatar convert at 2:1
hotels and OTAs earn only base 2/₹100 (unlike Atlas)
base earn of 2 miles/₹100 is ordinary

What's inside

More benefits

Anniversary EDGE Miles
₹1,500
1,500 EDGE Miles on completion of each anniversary year (from second year onwards)
annual. Primary cardholder; annual fee paid
Domestic airport lounge access
32 domestic lounge visits per year, no spend condition
annual.
International airport lounge access
8 international lounge visits per year via Axis international lounge list (USD 1 transaction at lounge desk); NOT Priority Pass
annual. USD 1 validation transaction at lounge

Eligibility

text: Age 21-60, Indian resident, stable income; premium travel card underwriting

Small print

Redemption fee: ₹0 / redemption