Eligible spend
2 per ₹100 on eligible spend
AXIS VISA
Horizon
Should you get this?
Conditional fit
Why this card
- 5 EDGE Miles/₹100 on eligible airline and axis Travel Edge
- You travel frequently and will use the lounge benefits.
- You spend on airline.
Trade-off
Forex markup is 3.5%, so frequent international spends may be costly.
Annual fee ₹3,000 per year
Rewards 2 EDGE Miles / ₹100 base
Lounge access 8 domestic + 2 international visits / quarter
Forex markup 3.5% high
Compare with HDFC Bank Marriott Bonvoy →
Similar lounge profile
What it costs to get, and to keep
Joining vs renewalFirst year
₹3,000joining fee
From year 2
₹3,000renewal fee
Welcome offer
5,000 EDGE Miles on first transaction ≥ ₹1,000 within 37 days
5,000 EDGE Miles welcome benefit
Qualification and fulfilment conditions apply
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend2 EDGE Miles / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
Airline5 EDGE Miles / ₹100Credited as reward pointsNot stated
Axis Travel Edge5 EDGE Miles / ₹100Credited as reward pointsNot stated
Redemption value
What an EDGE Mile is worth
- Travel₹1 / pt
When does this card pay for itself?
Rewards break-even estimate ₹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 getNo reward on
- These spends do not earn EDGE Miles: Rent
Realisation
Credited as reward points
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: Based on the standard earn rate (2 EDGE Miles / ₹100). Up to ~1,000 EDGE Miles/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹1,000 at the conservative redemption floor
- Annual-fee waiver not offered by issuer
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- 8 per quarter — via Axis Bank lounge programme · verified 6 Jul 2026 Domestic: No spend requirement.
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- International (cardholder)
- 2 per quarter
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Guest access
- Guests: paid access
Rewards
- Base earn
- 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.
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
- Annual fee
- ₹3,000
- Joining fee
- ₹3,000 · verified 4 Jul 2026
- Annual-fee waiver
- Not offered
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 3.5%
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
- Product tier
- Premium
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹400 per month.
- Fuel transactions do not earn EDGE Miles.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn EDGE Miles.
Payments
- Rent
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 factsIs 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?
₹3,000 every year. The issuer does not offer an annual-fee waiver.
When do welcome benefits arrive?
5,000 EDGE Miles on first transaction ≥ ₹1,000 within 37 days. Included items: 5,000 EDGE Miles welcome benefit (5,000 pts) — Paid cards only; first transaction must exceed ₹1,000 within 37 days of issuance. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- EDGE Rewards
Miles vs points under one programme - Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog