Axis Bank Horizon Credit Card vs Axis Bank Select Credit Card
Last verified 20 Oct 2026 · how we compare
Side by side
| Feature | Axis Bank Horizon Credit Card | Axis Bank Select Credit Card |
|---|---|---|
| Issuer | Axis Bank | Axis Bank |
| Joining fee | ₹3,000 | ₹3,000 |
| Annual fee | ₹3,000 | ₹3,000 |
| Fee waiver | No spend-based waiver: the ₹3,000 fee is charged every year. Both fees are nil if you opened an Axis Burgundy savings account on or after 1 Jul 2026 (Axis can withdraw this). Paid cards get 5,000 EDGE Miles (worth ₹5,000 on Axis's travel portal) if the very first transaction is ₹1,000 or more and made within 30 days of issue, plus 1,500 miles at each card anniversary from the second year. | Annual fee waived if you spend ₹8 lakh in the previous card year. Rent, wallet loads, gift cards, utility and telecom bills, government payments, insurance, gold and jewellery, fuel, education, EMI conversions and cash withdrawals don't count towards it. Both fees are nil for Axis Burgundy account holders (no welcome points on that version); if you lose Burgundy status, the ₹3,000 fee applies. Paid cards get 10,000 EDGE Reward points (worth ₹2,000) on the first transaction within 30 days of issue. |
| Everyday spends (value back) | 2% | 1% |
| Online shopping (value back) | 2% | 1% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 2% | 2% |
| Travel (value back) | 5% | 1% |
| Bills and utilities (value back) | 0% | 0% |
| Dining and food delivery (value back) | 2% | 1% |
| Rewards in short | Travel card: 5 EDGE Miles per ₹100 on flights booked directly with airlines or on Axis's Travel EDGE portal, and 2 per ₹100 on most other spends. Axis values a mile at ₹1, so that's about 5% and 2% back, with no published earning cap. Utility bills, fuel, rent, insurance, wallet loads and government or education payments earn nothing. | 10 EDGE Reward points per ₹200 on most spends, and 20 per ₹200 at department stores, grocery stores and clothing stores on the first ₹20,000 of such spend a month. Axis values the welcome points at ₹0.20 each, so that's about 1% and 2% back. Spend ₹3 lakh in a card year for 5,000 bonus points (₹1,000). Fuel, utility and telecom bills, insurance, rent, wallet loads, education, government payments, gold and jewellery, gift cards and tolls earn nothing. |
| Works on UPI | No | No |
| Airport lounge | 24 domestic visits a year (6 a calendar quarter) on the Mastercard version, or 32 (8 a quarter) on the Visa version, plus 8 international visits a year (2 a quarter). No spend is needed to unlock them. Free visits are for the primary cardholder only. | 8 domestic visits a year (2 a quarter) at Axis's listed lounges once you've spent ₹50,000 in the previous 3 calendar months; a new card needs no spend in its month of issue and the next 3 months. 6 international visits a card year with Priority Pass, 12 in a card year you spend over ₹3 lakh. Priority Pass renews only after ₹3 lakh of spend in the previous card year. Guests pay. |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹400 to ₹5,000, up to ₹400 per statement cycle; fuel earns no miles | 1% waiver on fuel transactions of ₹400 to ₹4,000, up to ₹400 per statement cycle. GST on the surcharge isn't refunded, fuel earns no points, and a 1% fee applies once fuel spend passes ₹50,000 in a statement cycle. |
| Card network | Visa, Mastercard | Not published by the bank |
| Minimum income (salaried) | Not published by the bank | ₹50,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the Axis Bank Horizon Credit Card if
you fly a few times a year and want lounge visits with no spend condition
₹3,000 joining, ₹3,000 a year
Pick the Axis Bank Select Credit Card if
you'll spend ₹8 lakh a year to have the fee waived and rarely book travel
₹3,000 joining, ₹3,000 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which earns more, Axis Horizon or Axis Select?
Horizon, at the values Axis publishes: 2 EDGE Miles per ₹100 on most spends and 5 per ₹100 on flights booked directly or on Travel EDGE, about 2% and 5% at ₹1 a mile on Axis's travel portal, with no published cap. Select earns 10 points per ₹200, about 1% at ₹0.20 a point, and 2% at grocery, department and clothing stores on the first ₹20,000 of such spend a month. Neither earns on fuel, utility and telecom bills, rent, insurance or wallet loads.
Which has better lounge access?
Horizon: 6 domestic visits a calendar quarter on the Mastercard version (8 on Visa) and 2 international visits a quarter, with no spend needed, for the primary cardholder. Select gives 2 domestic visits a quarter only after ₹50,000 of spend in the previous 3 calendar months (new cards are exempt for their first months), and 6 international Priority Pass visits a card year, 12 in a year you spend over ₹3 lakh. Select's Priority Pass renews only after ₹3 lakh of spend in the previous card year, and since 1 Oct 2026 spends that earn no points don't count towards it.
Is the annual fee waived?
On Select, yes: the ₹3,000 fee is waived if you spend ₹8 lakh in the previous card year, not counting rent, wallet loads, bills, fuel, insurance, gold and jewellery, government and education payments or EMIs. Horizon has no spend-based waiver. Both are free for some Axis Burgundy customers: Horizon if you opened a Burgundy savings account on or after 1 Jul 2026, Select for Burgundy account holders.
What welcome benefits do they give?
Horizon gives 5,000 EDGE Miles (worth ₹5,000 on Axis's travel portal) if your first transaction is ₹1,000 or more and made within 30 days of issue, plus 1,500 miles at each card anniversary from the second year. Select gives 10,000 EDGE Reward points, which Axis values at ₹2,000, on your first transaction within 30 days of issue. The Burgundy fee-free versions of Select get no welcome points.
Full details: Axis Bank Horizon Credit Card · Axis Bank Select Credit Card · find the card that fits your spending
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.