Axis Bank Horizon Credit Card
Axis Bank
Axis Bank Horizon Credit Card
Axis Bank
Annual Fee
₹3,000
Effective Rate
0.15%
Network
MASTERCARD
Point Value
₹0.15/pt
About Axis Bank Horizon Credit Card
The Axis Bank Horizon Credit Card is a premium-tier travel miles credit card issued by Axis Bank on the MASTERCARD network. It carries an annual fee of ₹3,000. The card includes complimentary airport lounge access, making it well suited for frequent flyers. With zero foreign transaction charges, it is a strong companion for international travel.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Lounge Access
- check_circleZero forex markup on international transactions
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹3,000 with no waiver option
Reward Earning Structure
Each point is worth ₹0.15 — an effective return of 0.15% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 6% | 600 pts≈ ₹90 |
| All other spends | 2% | 200 pts≈ ₹30 |
Miles can be transferred to partner airlines and hotel loyalty programs. Transfer ratios vary by partner — check the Axis Bank website for current transfer partners and ratios.
Card Benefits
Domestic Lounge Access
4 complimentary domestic lounge visits per quarter
~₹8,000/yr value
Travel Insurance
Overseas travel insurance up to ₹25 lakh
~₹3,000/yr value
Air Miles Benefits
Complimentary air miles on flight bookings
~₹4,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹1 (ANNUAL)
Anniversary Renewal Benefit – 1,500 EDGE Miles: Earn 1,500 EDGE Miles worth ₹1,500 as a renewal benefit on completion of each card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the Axis Bank website.
| Annual Fee | ₹3,000 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Axis Bank Horizon Credit Card.
Ready to apply for Axis Bank Horizon Credit Card?
Apply directly on the Axis Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.