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

The annual fee is ₹3000, with an identical ₹3000 joining fee. However, both fees are waived if you spend ₹2 lakh or more in a calendar year, making it free for active users.

How to apply for Axis Bank Horizon Credit Card?

You can apply directly through Axis Bank's website or visit an Axis Bank branch with required documents (identity proof, address proof, income documents). You may also compare and apply via OnePaisa for streamlined processing.

What rewards does Axis Bank Horizon Credit Card offer?

The card earns 2% EDGE Miles on all purchases, convertible to travel benefits. New cardholders also receive 5000 welcome miles on the first transaction of ₹1000+ within 30 days of issuance.

What are the eligibility criteria for Axis Bank Horizon Credit Card?

Specific eligibility criteria are not provided in the card details. Typically, Axis Bank requires stable income, good credit score, and Indian residency. Check Axis Bank's official website or contact their customer service for exact requirements.

Does Axis Bank Horizon Credit Card offer airport lounge access?

Yes, the card provides 24 complimentary domestic lounge visits per year, offering roughly two visits monthly. International lounge access details are not specified—verify with Axis Bank for global coverage.

Is Axis Bank Horizon Credit Card worth it?

It's worthwhile if you travel domestically and spend ₹2L+ annually (fee waiver kicks in). The 24 lounge visits and 2% miles reward rate justify the cost for frequent travelers. Compare with other premium cards on OnePaisa to find your best fit.

Credit Cards

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Axis Bank Horizon Credit Card

Premium travel rewards with quarterly lounge access

Annual fee₹3,000Waived on ₹2.0L spend

Rewards2.00%2 EDGE Mile per ₹100

Forex markup3.5%For international transactions in US Dollars, 3.5% mark-up on the INR equivalent of the US Dollars, at the conversion rates published by the card networks. For international transactions effected in currencies other than the US Dollar, the transaction would first be converted into US Dollars, at the conversion rates published by the card networks.

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Welcome benefits

worth ₹5,000

5000 EDGE Miles credited on the first transaction greater than or equal to ₹1000 within 30 days of the card issuance date

Type: Miles
Trigger: Spend ₹1,000 within 30 days

Rewards

Base earn rate

2 EDGE Miles per ₹100 on all other spends

EDGE Miles

Category	Rate	Cap
Travel	5 EDGE Mile/₹100	—

• Redemption fee: ₹99

Milestone benefits

Threshold —→ 1500 EDGE Miles worth ₹1,500 on completion of anniversary year

Lounge access

Domestic

24visits / year

Max 8 per quarter

VisaMastercard

International

Not included

Fees & charges

Joining fee: ₹3000+GST for Primary
Annual / renewal fee: ₹3000+GST for Primary
Annual fee waiver: On ₹2.0L spend
Add-on card fee: No fee for Add-on
Interest rate: 3.75% p.m. (45.00% p.a.)
Interest-free period: 50 days
Cash advance fee: 2.5% of Transaction amount (Minimum ₹ 500)
Overlimit fee: 2.5% (Minimum ₹500) of Overlimit amount
Payment dishonour: ₹500
Forex markup: For international transactions in US Dollars, 3.5% mark-up on the ₹equivalent of the US Dollars, at the conversion rates published by the card networks. For international transactions effected in currencies other than the US Dollar, the transaction would first be converted into US Dollars, at the conversion rates published by the card networks.
DCC markup: 1.50%
Rent payment fee: 1% (w.e.f. Jul 2025)
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹400/cycle

Late payment

Nil if outstanding amount is less than ₹ 500 ₹ 500 if Outstanding amount is between ₹ 501 and ₹ 5000 ₹ 750 if outstanding amount is between ₹ 5001 and ₹ 10000 ₹ 1200 if outstanding amount is greater than ₹ 10000 Additional ₹ 100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until MAD is cleared

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Insurance covers

Lost card liability

₹10L

Eligibility

Age: 18–70 years

Features

✓ International usage

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