CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Axis Horizon Credit Card

52
Ranked #26 of 170 in credit
creditVisa Signature/Mastercard WorldMid-range travelLegacy · discontinued

Mid-range Axis travel card (successor/entry point below Magnus/Atlas) offering 5% accelerated EDGE Miles on travel bookings, 32 domestic + 8 international lounge visits/year with no spend gating, at a flat Rs 3,000 fee.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 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 efficiency76/100 · weight 12%
Redemption flexibility60/100 · weight 9%
Perks76/100 · 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
Waiver: No spend-based fee waiver available
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingmiles5.00%(5 mi @ ₹1.00)—5 EDGE Miles per Rs 100 on Travel EDGE portal and direct airline website bookings
travelmiles2.50%(5 mi @ ₹0.50)——
all_spendsmiles2.00%(2 mi @ ₹1.00)—2 EDGE Miles per Rs 100 base rate; 1 Mile = Rs 1 on Travel EDGE redemption
diningmiles0.75%(1.5 mi @ ₹0.50)——
online_spendsmiles0.75%(1.5 mi @ ₹0.50)——
groceriesmiles0.75%(1.5 mi @ ₹0.50)——
fuelmiles0.50%(1 mi @ ₹0.50)——

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).

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Welcome offer

5,000 EDGE Miles on first transaction of Rs 1,000+ within 30 days of card issuance (no MCC restrictions); reports of fulfillment delays

Milestone benefits

Pros

  • 32 domestic lounge visits/year with no spend condition (rare at this fee), strong 5% (5 EDGE Miles/Rs100) accelerated rate on Travel EDGE/direct airline bookings, 2% base rate on gold/jewellery (unlike most cards), same transfer-partner network as Magnus/Reserve

Cons

  • No fee waiver ever, 3.5% forex markup, April 2026 devaluation removed Accor Live Limitless, Marriott Bonvoy and Qatar Avios as transfer partners, base rate only 2% outside travel category

What's inside

More benefits

  • International Lounge Access

    8 international lounge visits/year (2/quarter)

  • Domestic Lounge Access

    Up to 24 domestic lounge visits/year

  • Fuel Surcharge Waiver

    1% fuel surcharge waiver on ₹400–₹5,000 (max ₹400/month)

  • EazyDiner Dining Delights

    ₹800

    25% instant discount on dining, capped Rs 800/month, min order Rs 2,500

    Cap ₹9,600 / monthly. Min order Rs 2,500

  • Lost card liability cover

    ₹10,00,000

    Rs 10 lakh lost card liability cover

    yearly. Standard cardholder benefit

Insurance cover

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₹NaN

Eligibility

text
Indian resident, net income Rs 6 lakh+/year typical requirement

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-5,000 transactions, capped Rs 400/statement cycle