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Last updated: 01-06-2026
Axis Bank Horizon Credit Card
Axis Bank

Axis Bank Horizon Credit Card

"Axis Bank's latest premium travel card โ€” strong rewards on travel, dining and international spends with lounge access and low forex markup"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น3,000 + GST
๐Ÿ”„ Renewal Fee
โ‚น3,000 + GST
Waived: Annual fee waived on spending โ‚น5 lakh or more in the card anniversary year
๐ŸŽฏ Best Suited For
Frequent travellers who want a premium Axis Bank card with travel and dining rewards, lounge access and competitive forex markup; those replacing the discontinued Axis Atlas
๐ŸŽ Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.50 for travel; โ‚น0.20 for cashback)
๐ŸŽ‰ Welcome Benefit
Welcome vouchers and bonus EDGE RPs on card activation and spend condition โ€” check current offer on Axis Bank website
๐Ÿ’ฐ Reward Rate
10 EDGE RPs per โ‚น200 on travel and dining (2.5% effective for travel redemption); 5 EDGE RPs per โ‚น200 on all other eligible retail; excludes fuel, EMI, wallet, rent, government, insurance; EDGE RPs valid 2 years
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per quarter on spending โ‚น50,000 in preceding quarter; 2 international lounge visits per quarter via Priority Pass on โ‚น50,000 preceding quarter spend
๐Ÿ’ฑ Forex Markup
2% on international transactions โ€” lower than most cards
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โœ… Pros
  • Low 2% forex markup โ€” competitive for international travel
  • 4 domestic + 2 international lounge per quarter on โ‚น50K spend
  • 2.5% effective on travel and dining
  • 15% off at 4,000+ restaurants
  • Travel insurance
  • Strong Atlas replacement for Axis Bank customers
โŒ Cons
  • Lounge requires โ‚น50K quarterly spend
  • EDGE RPs valid only 2 years โ€” shorter than some cards
  • Cashback redemption value only โ‚น0.20 per RP
  • Newer product โ€” verify current benefit terms on Axis website

๐ŸŽ Rewards & Benefits

Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.50 for travel; โ‚น0.20 for cashback)
Welcome Benefits
Welcome vouchers and bonus EDGE RPs on card activation and spend condition โ€” check current offer on Axis Bank website
Reward Rate
10 EDGE RPs per โ‚น200 on travel and dining (2.5% effective for travel redemption); 5 EDGE RPs per โ‚น200 on all other eligible retail; excludes fuel, EMI, wallet, rent, government, insurance; EDGE RPs valid 2 years
Reward Redemption
Axis EDGE Rewards portal: travel redemption at 1 EDGE RP = โ‚น0.50; vouchers; cashback at 1 EDGE RP = โ‚น0.20; merchandise
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
4 complimentary domestic airport lounge visits per quarter on spending โ‚น50,000 in preceding quarter; 2 international lounge visits per quarter via Priority Pass on โ‚น50,000 preceding quarter spend
Spend Based Fee Waiver
Annual fee waived on โ‚น5 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น5L spend; lounge access on โ‚น50K quarterly spend; welcome benefits
Other Benefits
Low 2% forex markup; Priority Pass for international lounges; 15% off at 4,000+ restaurants via Axis Bank Dining Delights (EazyDiner); travel insurance; contactless payments; Smart EMI on transactions above โ‚น2,500; strong positioning as Atlas replacement

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (on spend condition)
Insurance Cover
Travel insurance including air accident; zero liability on reporting
Add-on Cards
Add-on cards for family
Concierge Services
24x7 concierge services
Special Offers
2.5% effective on travel and dining; 2% forex markup; 4 domestic + 2 international lounge per quarter; dining 15% off

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น3,000 + GST
Annual Fee / Renewal Fee
โ‚น3,000 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น5 lakh or more in the card anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Axis Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
2% on international transactions โ€” lower than most cards
Other Charges
Lounge requires โ‚น50K quarterly spend; EDGE RPs valid only 2 years โ€” shorter than some competitors; verify current benefits on Axis Bank website as this is a newer product

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; minimum monthly income โ‚น75,000; Indian resident; strong credit history
Credit Score Requirement
740+ CIBIL recommended
Credit Limit
Based on income and Axis Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Axis Mobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-419-5555 (24x7)
Chat / Email Support
Chat via Axis Mobile app
Mobile App
Axis Mobile app: manage card, track EDGE RPs, pay bills
Online Banking
Axis Bank NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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