M16S / Axis Bank / Axis Horizon Credit Card
premium · rewards, travel
Axis Horizon Credit Card
The Axis Horizon Credit Card costs Rs 3,000 a year. Its base return is 2% (2 EDGE Miles per Rs 100). The forex markup is 3.5%. Lounge visits in India: 6 per quarter (Mastercard World) or 8 per quarter (Visa Signature). Abroad: 2 per calendar quarter (8 a year). Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Rs 3,000+ GST
- Fee waived at
- —
- Base return
- 2%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- Axis Bank raises the Horizon markup to 3.5% and large late fee to Rs 1,300
From 21 Aug 2026 the HORIZON dynamic currency conversion markup rises from 1.5% to 3.5%. For outstanding balances of INR 50,000 and above the late payment fee is INR 1,300. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank waives the Horizon fee for new Burgundy Savings customers, July 2026
The Horizon product page lists the joining and annual fee as 3,000, nil for customers with a Burgundy Savings Account opened on or after 1 Jul 2026. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank can forfeit unredeemed EDGE points 30 days after card closure, Oct 2025
From 1 Oct 2025 Axis Bank reserves the right to forfeit unredeemed EDGE Reward Points and EDGE Miles 30 days after card closure, or when the minimum amount due is outstanding for more than 90 days. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank adds 1% fees on wallet, fuel, utility, education and gaming, Dec 2024
The MITC lists a 1% fee applicable from 20 Dec 2024 on wallet loads from INR 10,000, fuel from INR 50,000, utilities from INR 25,000 and online skill-based gaming from INR 10,000 per statement cycle, and on third-party app education payments. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
- Axis Bank launches the Horizon travel card in July 2024
The HORIZON card carries a joining fee of INR 3000 + GST and an annual fee of INR 3000 + GST. It earns 5 EDGE Miles per INR 100 on Travel Edge and airline spends and 2 EDGE Miles per INR 100 on other spends, for cards issued on or after 1 Jul 2024. Source: Axis Bank, axis.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 3,000 |
|---|---|
| Annual fee | Rs 3,000 |
| Fee notes | Joining and annual fee nil for customers with a Burgundy Savings Account opened on/after 1 Jul 2026 (one lifetime-free Axis card per Burgundy customer; needs Burgundy relationship to continue). No spend waiver. Citi PremierMiles cards were migrated to Horizon. |
Rewards
| Welcome benefit | 5,000 EDGE Miles on first transaction of Rs 1,000 or more within 30 days of issuance (not on lifetime-free cards). Renewal: 1,500 EDGE Miles on completion of each anniversary year (not on lifetime-free cards). |
|---|---|
| Reward currency | EDGE Miles |
| Base earn | 2 EDGE Miles per Rs 100 |
| Base return | 2% |
| Point value | Re 1 per EDGE Mile on Pay by Rewards and travel (min 500 miles); Rs 0.65 on dining/grocery/retail and Rs 0.45 on other categories via SMS redemption. Transfers 1:1 standard; 2:1 to Accor, Cathay, Qatar, British Airways, Finnair, Lotusmiles. |
| Accelerated earn | 5 EDGE Miles per Rs 100 on Axis Travel EDGE and direct airline spend (website, counter, helpline). Travel agents and OTAs earn 2. |
| Caps | No earn cap stated. Transfers capped at 1,00,000 EDGE Miles Group A + 4,00,000 Group B a year. |
| Spends that earn nothing | Transportation and tolls (MCC 4111, 4121, 4131, 4784), utilities (4814, 4816, 4899, 4900), insurance, education, government, wallet (6540), rent (6513), fuel; EMIs, cash, fees |
| Points expiry | Citi-migrated points do not expire; miles earned from 15 Jul 2024: 3 years from earning; all points also lapse after 365 days with no earn, redemption or login (EDGE Rewards T&C) |
| Milestone benefits | None |
| Reward notes | base_return_pct = 2 EDGE Miles per Rs 100 at Re 1 a mile (issuer Pay by Rewards value; 1:1 transfer gives the same count of partner miles). Partner list and groups as reported by third-party trackers after the 23 Sep 2026 reshuffle (Group A: 18 programmes incl. KrisFlyer, Flying Blue, Air India, Qantas, Accor, Cathay, Qatar; Group B: 9 incl. Hilton, IHG, IndiGo BluChip, Miles & More). Axis's own current partner page could not be read; Axis says ratios and groups can change without notice and the ratio shown at transfer applies. Caps are per customer ID per calendar year; if several Axis cards are held the highest card sets the cap. Miles & More has its own extra cap of 2,00,000 miles a year, min 3,000 miles per transfer. |
Transfers
| Partnersunverified | Accor Live Limitless, Air Canada Aeroplan, Air France-KLM Flying Blue, Air India Maharaja Club, British Airways Club, Cathay, Ethiopian Airlines ShebaMiles, Etihad Guest, Finnair Plus, JAL Mileage Bank, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Royal Orchid Plus, Turkish Airlines Miles&Smiles, United MileagePlus, Vietnam Airlines Lotusmiles, Wyndham Rewards, AirAsia Rewards, Hilton Honors, IHG One Rewards, IndiGo BluChip, Lufthansa Miles & More, Orchid Rewards, The Postcard Sunshine Club, Radisson Rewards, SpiceJet SpiceClub |
|---|---|
| Ratiounverified | 1 EDGE Mile : 1 partner mile (standard, incl. Miles & More); 2:1 for reduced-tier partners. Annual cap 1,00,000 Group A + 4,00,000 Group B. |
Travel and perks
| Domestic lounge | 6 per quarter (Mastercard World) or 8 per quarter (Visa Signature) |
|---|---|
| International lounge | 2 per calendar quarter (8 a year) |
| Lounge conditions | Primary cardholder only; no spend condition. Refundable authorisation: Rs 2 (Visa) / Rs 25 (Mastercard) domestic, USD 1 international. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 400-5,000 fuel transactions, cap Rs 400 per statement month |
| Other freebies | Lost card liability cover Rs 10 lakh; Dining Delights restaurant discounts; Wednesday offers (up to 15% off MakeMyTrip, 10% off Swiggy, 10% off up to Rs 1,000 on Tira) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil below Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (above 10,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70; resident of India. No income figure published. |
| Fine-print notes | Before the 2026-10-12 page read: documented from Axis Horizon T&C PDF, MITC, EDGE Rewards T&C and the lounge programme document. Product page read 2026-10-12 confirms fees, earn rates (2 and 5 EDGE Miles per Rs 100), 1 EDGE Mile = Re 1, lounge counts, 3.5% forex, 3.75% interest and the fuel waiver. Other charges on page: redemption fee not listed; 1% fee on rent, wallet loads from Rs 10,000, utilities from Rs 25,000, fuel from Rs 50,000, gaming from Rs 10,000 per cycle and education via third-party apps. Page does not name transfer partners or ratios. |
Questions
- What is the annual fee of the Axis Horizon Credit Card?
- Rs 3,000 a year, before GST.
- Does the Axis Horizon Credit Card give airport lounge access?
- Yes. In India: 6 per quarter (Mastercard World) or 8 per quarter (Visa Signature). Outside India: 2 per calendar quarter (8 a year). Conditions: Primary cardholder only; no spend condition. Refundable authorisation: Rs 2 (Visa) / Rs 25 (Mastercard) domestic, USD 1 international.
- What is the forex markup on the Axis Horizon Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Axis Horizon Credit Card?
- Transportation and tolls (MCC 4111, 4121, 4131, 4784), utilities (4814, 4816, 4899, 4900), insurance, education, government, wallet (6540), rent (6513), fuel; EMIs, cash, fees