Axis Bank HORIZON Credit Card
Axis Bank
A travel-focused mid-premium card sitting between Atlas and Magnus in positioning.
₹3,000
Joining fee
₹3,000
Annual fee
None found — no spend-based waiver for this card (official Schedule of Charges).
2%
Forex markup
4.4 / 5
Rating
Eligibility
Estimated minimum income: ₹1,00,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 750+
Estimated — not officially confirmed by the bank.
Age: 18–70
Income/CIBIL not disclosed; aggregator states eligibility decided internally on monthly income, credit score, credit history.
Lounge access
Note: Network-variant-dependent (aggregator-sourced, Paisabazaar), not independently confirmed on the official page.
Name: Visa Signature
Domestic: 32/year (max 8/quarter)
International: 8/year (max 2/quarter)
Name: Mastercard World
Domestic: 24/year
International: not specified by aggregator
Key features
- 5 EDGE Miles/₹100 on Travel EDGE/airline sites
- Domestic + international lounges
- Lower forex than most mid-tier Axis cards
Reward details
2 EDGE Miles per Rs 100 on all other spend categories
- 5 EDGE Miles per Rs 100 on Travel bookings via Axis Bank Travel EDGE portal and direct airline websites
Welcome bonus: 5,000 EDGE Miles
- renewal: 1,500 EDGE Miles
Redemption
1:1 with 15+ travel partners generally.
Ratio: 2:1 for select partners (British Airways, Finnair, Vietnam Airlines' Lotusmiles)
Caps: Group A transfer-partner cap of Rs 1,00,000-equivalent annually (aggregator-sourced)
Excluded from rewards: Everyday categories excluded generally (exact list not itemized by aggregator)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Good redemption ratio; lounge-visit count seen as excellent value for a Rs 3,000 annual fee; welcome benefits (5,000 miles) considered to exceed the annual fee in value — Paisabazaar
Complaints
- No milestone/spend-based rewards tier; no annual fee waiver option at all; Group A transfer-partner cap seen as restrictive; everyday spend categories excluded from earning — Paisabazaar
Sources
- Official — fees
- Official — product page (limited render)
- Aggregator — eligibility, lounge, rewards, sentiment