All cards / Axis Bank
Axis Horizon Credit Card
Axis's current mass-market travel-miles card, positioned as the successor to the discontinued Citi PremierMiles card — 5x EDGE Miles on Travel EDGE/airline bookings and an unusually generous lounge allowance (up to 32 domestic + 8 international visits a year) for a ₹3,000 fee. It's built for travelers who fly or book through Travel EDGE regularly and want 1:1 mile transfers to airline and hotel partners without paying Olympus-tier fees. Outside travel spend the card is just a flat 2% earner with no other category acceleration, so its value is concentrated almost entirely in travel bookings and lounge visits.
Annual fee
₹3,000
Joining fee
₹3,000
Reward type
miles
Base reward rate
2%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Travel: 5x accelerated EDGE Miles on Travel EDGE/airline bookings, with 1:1 transfer to KrisFlyer, Marriott Bonvoy, and Accor Hotels
- Domestic lounge access: Up to 8 complimentary domestic lounge visits per quarter on the Visa variant (6 on Mastercard) — up to 32/year
- International lounge access: 2 complimentary international lounge visits per quarter (8/year) via Priority Pass
- Insurance benefits: Complimentary travel insurance covering trip delay/loss, plus fraud and card-loss protection
Benefits by category
- 🍽️ Dining & food delivery
Dining discounts via the Axis Bank EazyDiner / Dining Delights program at partner restaurants nationwide
- ✈️ Travel
5% reward rate · 8 complimentary domestic lounge visits per quarter on the Visa variant (6 on Mastercard) — up to 32/year — plus 2 complimentary international lounge visits per quarter (8/year), an unusually high allowance at this fee tier
- 🏨 Hotel
EDGE Miles redeemable 1:1 across multiple airline and hotel travel partners via Travel EDGE, including Marriott Bonvoy, Singapore Airlines KrisFlyer, and Accor Hotels
- 🛡️ Insurance
Complimentary travel insurance (delay/loss cover) and card-related insurance protecting against fraudulent transactions and card loss
- ⛽ Fuel
1% fuel surcharge waiver on eligible fuel transactions at fuel stations across India
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,50,000
- Rewards redemption fee: No fee for transferring EDGE Miles 1:1 to travel loyalty partners via Travel EDGE
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver on eligible transactions at fuel stations across India
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- 8 complimentary domestic lounge visits per quarter on the Visa variant (6 on Mastercard) — up to 32/year — plus 2 complimentary international lounge visits per quarter (8/year), an unusually high allowance at this fee tier
- Complimentary travel insurance (delay/loss cover) and card-related insurance protecting against fraudulent transactions and card loss
- 1% fuel surcharge waiver on eligible fuel transactions at fuel stations across India
- Dining discounts via the Axis Bank EazyDiner / Dining Delights program at partner restaurants nationwide
- EDGE Miles redeemable 1:1 across multiple airline and hotel travel partners via Travel EDGE, including Marriott Bonvoy, Singapore Airlines KrisFlyer, and Accor Hotels
Pros
- + High-volume lounge access (up to 32 domestic + 8 international visits/year) for a mid-tier fee
- + 5x accelerated EDGE Miles on Travel EDGE/airline bookings
- + EDGE Miles transfer 1:1 to multiple travel loyalty partners including KrisFlyer and Marriott Bonvoy
- + Complimentary travel insurance included at no extra cost
Cons
- − 3.5% forex markup is high for a travel-focused card, undercutting the mile-earning value on overseas spend
- − Base 2% rate applies to all non-travel spend with no other category bonuses
- − No milestone spend bonus to reward higher annual spenders
Related guides