Axis Bank Horizon Credit Card
Your Gateway to Premium Travel Rewards
Annual Fee
₹3,000
Base Rewards
2.0%
Forex Fee
3.5%
Expert Verdict
The Axis Bank Horizon Credit Card is the spiritual successor to the Citi PremierMiles card. It offers a robust 1:1 transfer ratio and excellent lounge benefits for its price point, though the lack of a fee waiver is a drawback.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹14,000
Includes ₹5,000 bonus
Year 2+
+₹9,000
Why get this card
High 1:1 transfer ratio to 20+ airline and hotel partners
Generous domestic lounge access (up to 32 visits per year)
Accelerated 5% reward rate on direct airline spends and Travel EDGE portal
Watch out for
No spend-based annual fee waiver available
Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
Capping on EDGE Miles transfer to Group A partners (1 Lakh per year)
Who is this card for?
Best for
frequent traveler
Frequent flyers who prefer transferring points to airline miles at a 1:1 ratio.
Min: ₹30,000/mo
Skip if you're
low spender
Users who cannot meet the ₹50,000 quarterly spend for lounge access or want a fee-waiver card.
Base Earning
2 EDGE Miles
per ₹100 spent
2.0%
effective rate
Point value: ₹1.00/point
Bonus Categories
Travel EDGE / Direct Airlines - TRAVEL
2.5×
5% return
Welcome Offer
Welcome bonus credited on first transaction within 30 days
5,000
points
₹5,000
value
Spend ₹1,000 within 30 days
Milestones
Spend ₹0.0L
1,500 EDGE Miles on completion of anniversary year
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
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Upgrade Path
Move up or down within this bank