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Axis Bank Horizon Credit Card
Axis • Visa

Axis Bank Horizon Credit Card

EDGE Miles-focused premium travel card with higher earn rates on Travel EDGE and transfer-partner flexibility.

Annual Fee₹3000Spend ₹5 Lakhs for waiver
Base Reward2.0%On all spends
Lounge Access2020 domestic • 0 intl
Est. Annual Savings₹-33Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹7,200

Assumes base reward rate only.

Annual fee₹3,000

Spend ₹5 Lakhs for waiver

Net value₹4,200

Estimated savings per year.

Fee waiver target: ₹5,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
5.0%
Basedefault
2.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Axis Bank Horizon Credit Card is best positioned as a travel + international specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 5.0% on travel-aligned lanes, while broad base return remains closer to 2.0%.
  • Current mapped lounge footprint is 20, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and international spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 3,000 and reduce allocation if annual net value weakens.

Watchouts

  • miles value depends on travel transfer planning and redemption timing
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹3,000
  • Annual fee₹3,000
  • Waiver threshold₹5,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count20
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows20
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports12
  • Approval reports7

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Axis Vistara Signature

Annual fee: ₹3000

Shared focus: Travel, PremiumHigher top earn rate (8.0%)Estimated +₹1,302/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for Axis Bank Horizon Credit Card using your current quarter spend.

₹0 spent₹50,000 target

Policy signal used: - Source file: Axis Bank domestic lounge program PDF (Set B). - Domestic lounge access is linked to card-wise quarterly/yearly limits. - Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file. Policy override notes: • Axis official lounge program file lists Horizon under Set B lounges with dedicated quarter caps. • Horizon eligibility uses card-network variant limits in current Axis policy. • Axis spend-based domestic lounge criteria (INR 50,000 in previous 3 calendar months) is currently waived for Horizon as explicitly listed in Axis lounge program PDF. • Axis file lists Horizon quarterly caps: 6 complimentary visits/quarter (Mastercard World) and 8 visits/quarter (Visa Signature). • Guest entry is typically paid at lounge as per Axis lounge rules unless explicitly included by specific lounge/program. • International lounge benefit is not defined in the same domestic lounge program file; verify Horizon international entitlement separately. Verify latest spend criteria and guest access with issuer before travel.

Spend threshold

Axis spend-based domestic lounge criteria (INR 50,000 in previous 3 calendar months) is currently waived for Horizon as explicitly listed in Axis lounge program PDF.

Quarter / cycle rule

Axis file lists Horizon quarterly caps: 6 complimentary visits/quarter (Mastercard World) and 8 visits/quarter (Visa Signature).

Guest access

Guest entry is typically paid at lounge as per Axis lounge rules unless explicitly included by specific lounge/program.

Priority Pass

International lounge benefit is not defined in the same domestic lounge program file; verify Horizon international entitlement separately.

Lounge Locations

20 airport lounge rows
View lounge map and location list20 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic Departure T1

Bengaluru

2 lounges • 2 domestic • 0 international

2
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T2

BLR Domestic Lounge*Domestic

BEN • Bengaluru Airport • Domestic Departure T1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic Departure T1

Chennai

2 lounges • 2 domestic • 0 international

2
Travel Club LoungeDomestic

CHE • Chennai Airport • Domestic Departure T4

Travel Club Lounge A/BDomestic

CHE • Chennai Airport • Domestic Departure T1

Coimbatore

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

COI • Coimbatore Airport • Domestic Departure T1

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Domestic Departure T1

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa Airport • Domestic Departure T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Departure T1

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Domestic Departure T2

Kochi

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

KOC • Kochi Airport • Domestic Departure T1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Departure T1

Mumbai

3 lounges • 3 domestic • 0 international

3
Adani LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1B

Adani Lounge**Domestic

MUM • Mumbai Airport • Domestic Departure T2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T2

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T3

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Domestic Departure Main

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • 5 EDGE Miles per ₹100 on Travel EDGE
  • Domestic lounge access with spend-linked eligibility checks
  • 8 International Lounge Visits per year (Priority Pass)
  • 1:1 Transfer to Air Asia, Qatar, Turkish, etc.
  • 1% Fuel Surcharge Waiver

Things to Consider

  • Forex markup can reduce net value on high international POS usage
  • ₹3,000 Annual Fee
  • Domestic lounge requires spend eligibility

About Axis Bank Horizon Credit Card

Axis Bank Horizon Credit Card is a miles card from Axis, best for frequent flyers & miles. It is tagged under travel, premium, international categories in our database.

TravelPremiumInternational

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Frequently asked questions

Is Axis Bank Horizon Credit Card lifetime free?

It has an annual fee of ₹3000. Spend ₹5 Lakhs for waiver

What rewards does Axis Bank Horizon Credit Card offer?

EDGE Miles-focused premium travel card with higher earn rates on Travel EDGE and transfer-partner flexibility.

Does Axis Bank Horizon Credit Card include lounge access?

Axis Bank Horizon Credit Card lists 20 lounge visits (20 domestic, 0 international).

Who should consider Axis Bank Horizon Credit Card?

Frequent Flyers & Miles

Where can I apply for Axis Bank Horizon Credit Card?

Check the issuer link listed for this card.