Find my best card →
faayda.com › cards › Axis Bank Horizon Credit Card
Axis Bank · Visa Signature / Mastercard World · हिन्दी

Axis Bank Horizon Credit Card: full review

The Axis Horizon is the successor to the beloved Citi PremierMiles and a strong travel card. The 32 domestic lounge visits per year at ₹3,000 fee is exceptional, and the improved 1:1 miles transfer makes it genuinely useful for airline loyalists. The lack of fee waiver and 3.5% forex are the key drawbacks.

Apply now ↗Annual fee: ₹3,000 + taxes
Last updated: August 2026 · Current terms verified
AXIS BANK
VISA
)))
HORIZON
ASHOK KUMAR
12/28
₹3,000 + taxes (no spend-based fee waiver)Annual fee
5 EDGE Miles per ₹100 on travel and direct airline spends (1%); 2 EDGE Miles on all others (0.4%); 1 EDGE Mile = ₹0.20 or transfer to 15+ airline/hotel partners at 1:1Reward structure
8 domestic visits/quarter (32/year, on ₹50,000/quarter spend); 2 international visits/quarter via Priority PassLounge access

Key benefits of the Axis Bank Horizon Credit Card

5 EDGE Miles per ₹100 on Axis Travel EDGE portal and direct airline website/app/counter spends (1% effective)2 EDGE Miles per ₹100 on all other eligible spends (0.4% effective)1 EDGE Mile = ₹0.20 for direct redemption or transfer 1:1 to 15+ partners (Air India, Qatar, Etihad, SpiceJet, AirAsia, etc.)Up to 32 complimentary domestic lounge visits/year, 8 per quarter (on ₹50,000/quarter spend, Visa variant)Up to 8 international lounge visits/year, 2 per quarter via Priority Pass5,000 EDGE Miles welcome benefit on ₹1,000 spend within 30 days1,500 EDGE Miles renewal benefit on anniversary25% off dining via EazyDiner (up to ₹800/month at partner restaurants)1% fuel surcharge waiver (₹400–₹5,000)
Apply now ↗ Min. income: ₹6L+/year · Credit score: 750+
Pros and cons
Pros
✓ Best domestic lounge access at this fee tier, 32 visits/year (8/quarter)
✓ Succeeded Citi PremierMiles with improved 1:1 transfer ratio (was 2:1)
✓ 15+ transfer partners including Air India, Qatar, Etihad
✓ No category exclusions for base earn, earns on utilities too
Cons
✗ 3.5% forex despite being a travel card: use a zero-forex card abroad
✗ No fee waiver on any spend, ₹3,000 must be paid every year
✗ 5% accelerated rate only on Axis Travel EDGE portal and direct airline, not on travel aggregators
✗ No milestone benefits unlike Axis Atlas
Quick facts
Issuer Axis Bank
Network Visa Signature / Mastercard World
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,000 + taxes (no spend-based fee waiver)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹3,000
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/quarter (32/year, on ₹50,000/quarter spend); 2 international visits/quarter via Priority Pass
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6L+/year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceAxis Bank's published card terms and official card page · Last updated August 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for Axis Bank Horizon Credit Card is ₹3,000 + taxes (no spend-based fee waiver). The joining fee is ₹3,000.
The main benefits of the Axis Bank Horizon Credit Card are: 5 EDGE Miles per ₹100 on Axis Travel EDGE portal and direct airline website/app/counter spends (1% effective); 2 EDGE Miles per ₹100 on all other eligible spends (0.4% effective); 1 EDGE Mile = ₹0.20 for direct redemption or transfer 1:1 to 15+ partners (Air India, Qatar, Etihad, SpiceJet, AirAsia, etc.); Up to 32 complimentary domestic lounge visits/year, 8 per quarter (on ₹50,000/quarter spend, Visa variant); Up to 8 international lounge visits/year, 2 per quarter via Priority Pass; 5,000 EDGE Miles welcome benefit on ₹1,000 spend within 30 days; 1,500 EDGE Miles renewal benefit on anniversary; 25% off dining via EazyDiner (up to ₹800/month at partner restaurants); 1% fuel surcharge waiver (₹400–₹5,000).
5 EDGE Miles per ₹100 on travel and direct airline spends (1%); 2 EDGE Miles on all others (0.4%); 1 EDGE Mile = ₹0.20 or transfer to 15+ airline/hotel partners at 1:1
Axis Bank Horizon Credit Card is best for Frequent flyers wanting an airline-agnostic travel card with generous lounge access. The Axis Horizon is the successor to the beloved Citi PremierMiles and a strong travel card. The 32 domestic lounge visits per year at ₹3,000 fee is exceptional, and the improved 1:1 miles transfer makes it genuinely useful for airline loyalists. The lack of fee waiver and 3.5% forex are the key drawbacks.
The minimum income requirement for Axis Bank Horizon Credit Card is ₹6L+/year. A minimum credit score of 750+ is also recommended.
Yes, Axis Bank Horizon Credit Card offers 8 domestic visits/quarter (32/year, on ₹50,000/quarter spend); 2 international visits/quarter via Priority Pass.
Axis Bank Horizon Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
Compare with similar cards
Axis Bank Horizon vs IDFC FIRST Ashva Compare →Axis Bank Horizon vs Axis Bank Atlas Compare →Axis Bank Horizon vs HSBC TravelOne Compare →Axis Bank Horizon vs Marriott Bonvoy HDFC Bank Compare →
Embed this card
Add this widget to your site
Writing a review or comparison for the Axis Bank Horizon Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/axis-horizon"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
Axis Bank Horizon₹3,000 + taxes
Apply now ↗