AXIS

Axis Bank Horizon Credit Card

Good for frequent travelers earning .

AXIS VISA

Horizon

Should you get this?

Conditional fit

Confirm terms

Why this card

Published base rewards of 2 EDGE Miles / ₹100.
Published lounge access: 8 domestic + 2 international visits / quarter.

Issuer evidence · 4 sources →

Trade-off

Annual fee waiver isn't clearly documented.

Annual fee ₹3,000 per year

Rewards 2 EDGE Miles / ₹100

Lounge access 8 domestic + 2 international visits / quarter

Forex markup 3.5% high

Compare with HDFC Bank Marriott Bonvoy →

Similar lounge profile

Rewards

Rewards programme: EDGE Rewards · Currency: EDGE Miles EDGE Miles are distinct from EDGE Reward Points used by some other Axis cards.

Earning rules

Detail · from the summary above

General spend2 EDGE Miles / ₹100——

Annual fee break-even math

When does this card pay for itself

₹1.5L

Conservative yearly spend needed at the ₹1-per-point ranking floor.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Verified value

₹1 per point

Headline redemption

Base earn

2 per ₹100 (~2% base (conservative redemption))

Costs & fees

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: ~1,000 EDGE Miles/month (base earn · uses base/general earn rate)
Fee waiver conditions unclear — verify
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 8 per quarter — via Axis Bank lounge programme · verified 6 Jul 2026

2 sources agree · verify issuer terms before applying

Where to verify

Operator-verified anchor
Axis official page
International (cardholder): 2 per quarter — via Axis Bank lounge programme · verified 6 Jul 2026

2 sources agree · verify issuer terms before applying

Where to verify

Operator-verified anchor
Axis official page
Guest access: Guests: paid access
Axis domestic lounge access program , opens external site
Axis Horizon feature T&C , opens external site

Rewards

Points per ₹100: 2 per ₹100 value depends on redemption
Effective return (honest floor): ~2% base (conservative redemption) · verified 5 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value: ₹1.00 per · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.

Redemption value

You earn
Redemption: ₹1.00 per · verified 5 Jul 2026

Insurance Cover

Lost card liability cover: ₹10 lakh · verified 6 Jul 2026
Underwriter: Insured by The New India Assurance Co. Ltd · verified 7 Jul 2026

Fees & charges

Fees

Monthly interest rate: 3.6% / month
Annual fee: ₹3,000
Joining fee: ₹3,000 · verified 4 Jul 2026
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

3 sources agree · verify issuer terms before applying

Where to verify

CardInsider
BankBazaar
Operator-verified anchor
Issuer site (verify current terms) , opens external site
Product tier: Premium

Travel & perks

Fuel Benefits

At the pump

1% fuel surcharge waived on transactions ₹400–₹5,000.
Maximum waiver ₹400 per statement cycle.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

SIDE BY SIDE

Axis Bank Horizon

HDFC Bank Marriott Bonvoy

SIDE BY SIDE

Axis Bank Horizon

ICICI Bank Sapphiro Mastercard

HSBC India TravelOne Visa

The fine print

Caps · exclusions · earning · redemption · last refresh

Latest update

Annual fee: ₹3,000.
Forex markup currently listed at 3.5%.
8 per quarter domestic lounge · 2 per quarter international.

Common questions

From verified card facts

Is this good for lounge access?

8 domestic + 2 international lounge visits/quarter. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Value depends on usage and waiver terms. GST may apply on the annual fee.

When do welcome benefits arrive?

No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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