Axis Bank

Axis Bank Horizon Credit Card

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.

₹3,000 joining, ₹3,000 a year
Visa / Mastercard

View on Axis Bank siteIssuer's site. We don't earn from this card.

Good

5% on travel: 2nd of 24 travel and lounges cards we compare
Airport lounge visits with no published spend condition

Watch out for

At ₹3,000 a year, it doesn't beat a free card's rate on any spend
High joining fee: ₹3,000 up front
Earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments
High forex markup (3.5%)

Who it's for: Frequent flyers who use airport lounges and can meet the fee waiver.
Skip it if: You mainly pay by UPI.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends: 2% (base rate)
Online shopping: 2%
Fuel: 0%
Groceries: 2%
Travel: 5%
Bills and utilities: 0%
Dining and food delivery: 2%

Fees and charges

Joining fee: ₹3,000
Annual fee: ₹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.
Forex markup: 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

Benefits and eligibility

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.
Card network: Visa, Mastercard
UPI payments: No
Minimum income (salaried): Not published by the bank
Eligibility: Age 18 to 70 and resident in India. Axis doesn't publish an income requirement for this card; a payslip, Form 16 or IT return is accepted as income proof. Approval is at Axis Bank's discretion.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the Axis Bank Horizon Credit Card?

View on Axis Bank siteIssuer's site. We don't earn from this card.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by Axis Bank.

What changed recently

1 Sept 2026OtherWorse for you
For cards issued from 1 Sep 2026, the 5,000 welcome EDGE Miles are credited within 60 days of the qualifying transaction instead of 7.
Before: Credited within 7 days · After: Credited within 60 days
Bank's notice or terms
21 Aug 2026FeesWorse for you
Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1.5% to 3.5%.
Before: 1.5% · After: 3.5%
Horizon's own notice dates this 21 Aug 2026; Axis's card-wide notice gives 28 Aug 2026.
Bank's notice or terms
21 Aug 2026FeesWorse for you
Late payment fee for balances of ₹50,000 and above set at ₹1,300; lower slabs unchanged.
After: ₹1,300 on balances of ₹50,000 and above
Horizon's own notice dates this 21 Aug 2026; Axis's card-wide notice gives 28 Aug 2026.
Bank's notice or terms
1 Jul 2026FeesBetter for you
Joining and annual fees became nil for customers who open an Axis Burgundy savings account on or after 1 Jul 2026; everyone else still pays ₹3,000.
Before: ₹3,000 joining and annual fee for all · After: Nil for Burgundy savings account holders (opened on or after 1 Jul 2026), ₹3,000 otherwise
Axis says the offer is at its discretion and can be withdrawn.
Bank's notice or terms

All card changes, month by month

Questions people ask

Is the Axis Bank Horizon Credit Card worth it in 2026?

Only if you'll use the airport lounge visits and can meet the fee waiver; the rewards alone don't cover the fee. The catch: earns nothing on fuel, insurance, wallet loads, rent, utility bills and government payments.

Is the Axis Bank Horizon Credit Card lifetime free?

No. It costs ₹3,000 to join and ₹3,000 a year, plus GST. 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.

Does the Axis Bank Horizon Credit Card work on UPI?

No. Only RuPay credit cards can be linked to UPI, and this isn't one.

Does the Axis Bank Horizon Credit Card give airport lounge access?

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.

What earns no rewards on the Axis Bank Horizon Credit Card?

No miles on transport and tolls, utility and telecom bills, insurance, education, government payments, wallet loads, gift cards, rent, fuel, EMI purchases, cash withdrawals, fees or GST. Axis doesn't say which transport spends fall in its excluded transport category, so cab, bus and rail fares may earn nothing. Flights booked through travel agents or online travel sites, and hotel bookings outside Axis's portal, earn the base 2 miles per ₹100. No earning cap is published.

Who can get the Axis Bank Horizon Credit Card?

Age 18 to 70 and resident in India. Axis doesn't publish an income requirement for this card; a payslip, Form 16 or IT return is accepted as income proof. Approval is at Axis Bank's discretion. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read Axis Bank's own product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 19 Oct 2026 on Axis Bank's official page. Fees and rewards change; check the issuer's terms before you apply.

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