Axis Horizon Credit Card
Axis Bank
Last updated: Feb 03, 2026
₹3,000
₹3,000
3.5%
40 visits/yr
Contents
Apply for Axis Horizon Credit Card
Processing time: 7–10 working days | Standard approval process
The Axis Horizon Credit Card is designed for frequent travelers seeking great travel rewards and lounge access. Enjoy accelerated EDGE Miles on travel spends and complimentary domestic and international lounge visits. Benefit from fuel surcharge waivers and special dining discounts.
Features of Axis Horizon Credit Card which makes it unique
EDGE Miles Rewards Program
Earn EDGE Miles on eligible spends and redeem them across airline partners, hotel loyalty programs, travel bookings, and lifestyle vouchers via the Axis EDGE Rewards platform.
Flexible travel & lifestyle redemptions
More flexible than fixed cashback cards
Travel EDGE Booking Platform
Book flights and travel services via the Axis Bank Travel EDGE portal to earn accelerated EDGE Miles on eligible transactions.
Accelerated rewards on travel bookings
Better for frequent travelers
Rewards Structure of Axis Horizon Credit Card
Travel
acceleratedAxis Bank Travel EDGE portal and direct airline spends
Earn accelerated miles on travel spends
Accelerated Travel Rewards: Cardholders earn 5 EDGE Miles per ₹100 spent on travel bookings made via the Axis Bank Travel EDGE portal and on direct airline transactions. Miles can be redeemed for travel and lifestyle rewards through the EDGE Rewards platform.
Dining & Lifestyle
acceleratedDining, lifestyle, and premium merchant spends
Earn accelerated EDGE Miles on dining and lifestyle transactions.
Lifestyle Rewards: Cardholders earn 2 EDGE Miles per ₹100 spent on eligible dining and lifestyle transactions. Rewards are credited as EDGE Miles and can be redeemed through the Axis EDGE Rewards portal.
Milestones of Axis Horizon Credit Card
Welcome Bonus
₹50,000 within 90 days of card issuance : 10,000 EDGE Miles
Joining Bonus: Earn a welcome bonus of EDGE Miles on meeting the spend requirement within the first 90 days from card issuance. Bonus miles are credited to the EDGE Rewards account after eligibility is met.
Annual Spend Recognition
As per Axis Bank criteria (varies by card year) : Additional EDGE Miles or travel benefits
Ongoing Value: Axis Bank may offer periodic milestone-based rewards or benefits based on annual card usage. These are subject to Axis Bank’s prevailing terms and conditions.
Fees & Charges of Axis Horizon Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹3,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5%of transaction amount (minimum ₹500) |
| Late Payment Fee | ₹500– ₹1,300 (slab-based, depending on outstanding amount) |
| Over Limit Fee | 2.5%of over-limit amount (minimum ₹500) |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 2.50%of withdrawn amount (minimum ₹500 per transaction) |
Renewal Conditions:Standard renewal fee charges apply
Fee Explanation Standard bank rates apply on overdue amounts and other fees.
Detailed Explanation of Axis Horizon Credit Card Fees
Joining Fee: 3000 (one-time)
Non-refundable
Card Issuance Fee: Charged at the time of card issuance.
Annual Fee: 3000 (yearly)
Standard renewal fees apply
Renewal Fee: Charged every year to continue card membership.
Foreign Currency Markup: 3.5% (transaction)
Applies on international transactions
International Transactions: Applied on all foreign currency transactions, including international online spends.
Late Payment Fee: ₹500–₹1,300 (per instance)
Standard bank rates apply
Payment Delay Penalty: Fee depends on the total outstanding amount on the due date.
Returned Payment Fee: ₹500 (Per instance)
GST applicable
Failed Payment Charge: Applied when a payment is returned due to insufficient funds or bank rejection.
Lounge Access Benefits with Axis Horizon Credit Card
domestic Lounges
silverVisits per year: 32
Guest access: No
Primary cardholder only
Domestic Lounge Access: Axis Horizon Credit Card offers complimentary access to select domestic airport lounges in India. The number of free visits and eligible lounges may vary as per Axis Bank’s prevailing terms and conditions.
international Lounges
silverVisits per year: 8
Guest access: No
Primary cardholder only
International Lounge Entry: Axis Horizon Credit Card provides access to select international airport lounges through affiliated lounge programs. Complimentary access, if available, and per-visit charges are subject to Axis Bank’s prevailing terms and conditions.
Additional Features of Axis Horizon Credit Card
Contactless Payments
Tap and pay enabled
Subject to terminal support and transaction limits
Quick & Secure Payments: Supports contactless Tap & Pay transactions for faster checkout at compatible POS terminals.
Digital Card Access
Instant virtual card after approval
Available via Axis Bank mobile app
Instant Usage: A virtual credit card is issued immediately after approval and can be used for online transactions before the physical card is delivered.
EDGE Rewards Platform
Centralised rewards & redemption portal
Subject to Axis EDGE Rewards terms
Flexible Redemption: EDGE Miles earned on the Axis Horizon Credit Card can be tracked and redeemed through the Axis EDGE Rewards platform for travel and lifestyle rewards.
Smart EMI Facility
Convert eligible spends into EMIs
Interest and processing fees apply
Flexible Repayment: High-value purchases can be converted into EMIs as per Axis Bank’s EMI policies.
Welcome Bonus with Axis Horizon Credit Card
Welcome Bonus: 5,000 EDGE Miles
Bonus Conditions: Valid on first transaction of ₹1,000+ within 30 days
Application Process for Axis Horizon Credit Card
Processing Time
7–10 working days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Axis Bank portal
Start Online Application: Apply through Axis Bank’s official website or authorised digital channels by selecting the Axis Horizon Credit Card.
Upload KYC documents
Complete KYC: Enter personal, employment, and income details, then complete Aadhaar-based video KYC or upload required documents.
Receive verification call
Bank Review: Axis Bank verifies your application details, credit profile, and submitted documents.
Card dispatched within 7 business days
Card Delivery: On approval, the card is dispatched and delivered within 7–10 working days. A virtual card may be available earlier via the Axis app.
Required Documents for Axis Horizon Credit Card
ID Proof
All applicantsAccepted documents:
Identity Verification: PAN is mandatory for credit card issuance. Aadhaar is commonly used for identity verification and video KYC.
Address Proof
All applicantsAccepted documents:
Address Verification: The address proof should match the applicant’s current residential address.
Income Proof
Salaried / Self-employed (as applicable)Accepted documents:
Income Assessment: Income documents are used to assess eligibility and credit limit. Additional documents may be requested by Axis Bank.
Axis Horizon Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Horizon Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹300,000
Minimum annual income
Self-Employed Applicants
₹420,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required. Indian residents only.
How Approval Is Decided
- Minimum income ₹25,000/month for salaried
- Indian resident
- Credit score above 700
Pros of Axis Horizon Credit Card
- Strong travel rewards with EDGE MilesStrong travel rewards: Earn accelerated EDGE Miles on travel bookings and airline spends, making it suitable for frequent travelers.
- Generous lounge accessLounge access included: Offers domestic lounge access and international lounge entry through partner programs, adding travel comfort.
- Lifestyle benefitsPremium lifestyle positioning: Designed for high-income users seeking travel and lifestyle benefits rather than basic cashback.
Cons of Axis Horizon Credit Card
- High joining and annual feeJoining and annual fee: The card comes with a ₹3,000 joining and annual fee, with no guaranteed fee waiver.
- Expensive international spendingHigh forex markup: A 3.5% forex markup makes international spending relatively expensive.
Frequently Asked Questions about Axis Horizon Credit Card
Is there a joining fee?
Yes, ₹3,000 joining fee applies.
The joining fee is charged at the time of card issuance. GST is applicable as per government norms.What is the annual fee for this card?
The annual fee is ₹3,000 plus GST.
The annual fee is charged every card anniversary unless waived under special Axis Bank offers.How do I earn rewards on this card?
You earn EDGE Miles on travel, dining, lifestyle, and other eligible spends as per the card’s rewards structure.
Accelerated EDGE Miles are earned on travel bookings via Axis Travel EDGE and airline spends.How many lounge visits are included?
You get 32 domestic and 8 international lounge visits annually.
The number of complimentary visits and eligible lounges may vary.Are fuel surcharge waivers available?
The Axis Horizon Credit Card offers a 1% fuel surcharge waiver on fuel transactions at select fuel stations.
Applicable only on transactions within the eligible amount rangeIs the Axis Horizon Credit Card good for international usage?
The card supports international transactions, but a 3.5% forex markup fee applies.
Foreign currency transactions attract additional GST on the markup fee.Add Your Review
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