Travel
Axis Bank Horizon Credit Card
A travel card that earns EDGE Miles, mostly transferable 1:1 to airlines and hotels, with up to 32 domestic and 8 international lounge visits a year.
Joining fee₹3,000 + GST
Annual fee₹3,000 + GST
Fee waiverNone
Top reward5 miles per ₹100 on travel
LoungeUp to 32 domestic + 8 international
Forex markup3.5%
Best for: Travellers who spend ₹50,000+ a month and redeem miles for flights.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Axis Travel EDGE and direct airline bookings | 5 EDGE Miles per ₹100 | No cap stated |
| All other spends | 2 EDGE Miles per ₹100 | No cap stated |
| Rent, fuel, utilities, insurance, education, government, wallet loads, tolls, gift cards | Nothing | – |
- Most airline and hotel partners convert 1:1; a few (British Airways, Qatar, Accor and others) at 2:1.
- About ₹1 a mile on the Travel EDGE portal, much less as statement credit.
- Yearly transfer limits apply by partner group.
Benefits
Welcome benefit
- 5,000 EDGE Miles on a first transaction of ₹1,000 or more within 30 days.
- 1,500 EDGE Miles on each card anniversary from year two.
Milestones
- No spend-based fee waiver.
Travel and lounges
- Up to 32 domestic lounge visits a year.
- 8 international lounge visits a year (2 a quarter) through Axis’s lounge programme.
Fuel and forex
- Forex markup 3.5%.
- 1% fuel surcharge waiver, up to ₹400 a month.
Fees and charges
| Joining fee | ₹3,000 + GST (₹3,540) |
|---|---|
| Annual fee | ₹3,000 + GST, no waiver |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Age 18 to 70
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Miles transfer 1:1 to many partners
- Generous lounge access
- Good welcome and renewal miles
Watch out for
- No fee waiver
- 3.5% forex is high for a travel card
- Partner list changes often
Recent changes
- 22 Sep 2026Transfer partner changes, including Accor back and Club ITC removed.
- 28 Aug 2026Currency conversion fee raised to 3.5% + GST; tolls stop earning.
- Aug 2025Opened to new (non-Citi) applicants.
Frequently asked questions
Can I transfer Axis Horizon EDGE Miles to airlines?
Yes. Most partners convert 1:1 and some at 2:1, within yearly group limits.
Ready to apply for the Axis Bank Horizon Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.