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Axis Bank Horizon Credit Card Review 2026: Fees, Rewards & Lounge A...

Explore Axis Bank Horizon Credit Card features: 5 EDGE Miles on travel, 32 domestic lounge visits, and 1:1 transfer partners. Is it the best travel card for ...

Vyaya Team · Mar 2026
5 min read
Value Score
8.2 / 10
Annual Fee
₹3,000
Best For
frequent-domestic-traveler, airline-agnostic-flyer
Network
Visa
Expert Verdict

The Axis Bank Horizon is a robust successor to the Citi PremierMiles, offering excellent lounge benefits and a versatile 1:1 transfer ratio. While it lacks spend-based fee waivers, its travel-specific earn rates make it a top choice for mid-tier travelers.

Axis Bank Horizon Credit Card credit card by Axis Bank - Visa network
REWARD SUMMARY
2% Base Rewards
Your gateway to a world of travel rewards.
← Tap to flip back

The Bottom Line

The Axis Bank Horizon Credit Card is the Axis Bank Horizon is a robust successor to the Citi PremierMiles, offering excellent lounge benefits and a versatile 1:1 transfer ratio. While it lacks spend-based fee waivers, its travel-specific earn rates make it a top choice for mid-tier travelers. With a ₹3,000 annual fee, it offers 0% rewards on direct airline websites and 5,000 bonus points. For anyone researching axis bank horizon credit card, the verdict is simple: recommended.

It earns a base reward rate of 2% and stacks best when your spending lines up with frequent-domestic-traveler, airline-agnostic-flyer.

What we like
+High domestic lounge access limit of up to 32 visits per year.
+Accelerated 5 EDGE Miles per ₹100 on direct airline spends and Travel EDGE.
+1:1 transfer ratio to 15+ major airline and hotel partners.
+Welcome bonus of 5,000 EDGE Miles effectively offsets the joining fee.
What we don't
–No annual fee waiver based on spending milestones.
–Standard 3.5% forex markup is high for a travel-focused card.
–Reward exclusions on utilities, rent, fuel, and insurance.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
frequent-domestic-traveler

Offers one of the highest domestic lounge access limits (8/quarter) in its fee segment.

Best value above ₹40,000/month
+
airline-agnostic-flyer

1:1 transfer to multiple partners like Air India, Qatar Airways, and Accor Hotels.

Best value above ₹50,000/month

Probably not for

Skip
–
low-spender

The ₹3,000 annual fee is fixed with no waiver, making it costly for low annual spends.

Is It Worth It For You?

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Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
0₹5,000Max ₹50k
Est. Returns
✈️
Travel
0₹10,000Max ₹1L
Est. Returns
🛒
Shopping
0₹8,000Max ₹80k
Est. Returns
🥬
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual fee-₹3,000
Net Value (Year 1)₹-3,000
Net Value (Year 2+)₹-3,000

Sign in for personalized estimates based on your actual spending

Reward Rates

Axis Bank Horizon Credit Card offers 2% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Direct Airline Websites
0%
Axis Bank Travel EDGE Portal
0%

Welcome Offer

5000 Bonus Points

On first transaction of ₹1,000 or more within 30 days of card issuance.

Fees & Charges

Joining fee₹3,000
Annual fee₹3,000
Fee waiverN/A

Eligibility

  • Min Income: ₹6 Lakhs
  • Min Credit Score: 750
  • Primary cardholder age: 18-70 years. Available for salaried and self-employed individuals.

Exclusions & Terms

Fuel

    Utilities

      Insurance

        Rent

          Wallet Load

            Government Services

              Educational Institutions

                Tolls

                  Compare with Alternatives

                  Feature
                  Axis Bank Horizon Credit Card by Axis Bank - credit card comparison
                  Axis Bank Horizon Credit Card
                  Axis Bank
                  Current Card
                  SBI Card MILES ELITE by SBI Card - credit card comparison
                  SBI Card MILES ELITE
                  SBI Card
                  View Details
                  Annual Fee
                  ₹3,000
                  ₹4,999
                  Joining Fee
                  ₹3,000
                  ₹4,999
                  Reward Rate
                  2%
                  1%
                  Network
                  Visa
                  Mastercard
                  Best For
                  frequent-domestic-travelerairline-agnostic-flyer
                  Frequent FlyerInternational Traveler

                  Frequently Asked Questions

                  3 data-backed answers from our card database

                  What is the annual fee for Axis Bank Horizon Credit Card?+

                  The annual fee is ₹3,000 plus GST. There is no spend-based waiver, but you receive 1,500 EDGE Miles as a renewal benefit.

                  How many lounge visits do I get with the Horizon card?+

                  You get up to 8 domestic lounge visits per quarter (Visa) or 6 (Mastercard), and 2 international lounge visits per quarter via Priority Pass.

                  What is the value of 1 EDGE Mile?+

                  1 EDGE Mile is worth ₹1 when redeemed on the Axis Travel EDGE portal or can be transferred 1:1 to airline/hotel partners.

                  Ready to apply?

                  ₹3,000 fee. Excellent rewards. Apply now securely.

                  Apply on Axis Bank →

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