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The Axis Bank Horizon Credit Card is a travel-centric credit card, offering generous rewards and travel benefits. If you are familiar with Axis Credit Cards, you may recognize this card as the basic version of the popular Atlas Credit Card. The joining charge for this card is ₹3,000, and the same amount is charged as an annual fee. While the premium features of this travel credit card justify the fee, there is a slight drawback as there is no spend-based annual fee waiver, so you would have to pay the fees. This card is most beneficial for those who want to earn accelerated rewards for travel bookings and are looking for complimentary airport lounge access.

The Axis Horizon Credit Card is available in Mastercard World and Visa Signature variants, both of which offer distinctive features and rewards. There is a slight difference in the number of domestic airport lounge visits offered. With the Mastercard variant, you would get six complimentary visits, and with the Visa variant, you would get eight. If you want to learn more about this card, keep reading for an in-depth look.

Axis Bank Horizon Credit Card

Joining Fee

Rs. 3,000 + GST

Renewal Fee

Rs. 3,000 + GST

Best Suited For

Travel |

Reward Type

Reward Points |

Welcome Benefits

5000 EDGE Miles on Spends of ₹1,000 Within the First 30 Days of Card Issuance

Movie & Dining

25% Discount Via Eazydiner (Upto ₹800)

Rewards Rate

5 EDGE Miles on Axis Travel Edge and Airline Spends. 2 EDGE Reward Points on all Other Eligible Spends

Reward Redemption

Redeem at Travel Edge. Also, Convert to Partner Points


Accelerated EDGE Miles on Travel Bookings

Domestic Lounge Access

6 Per Calender Quarter With Mastercard World Variant and 8 Per Calender Quarter With Visa Signature Variant

International Lounge Access

8 Each Year (2 Every Quarter)



Insurance Benefits


Spend-Based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup


Interest Rates

3.6% Monthly (52.86% Annually)

Fuel Surcharge

1% Waiver on Transactions Between ₹400 and ₹5,000 (Maximum 400 in a Month)

Cash Advance Charges

2.5% Per Month (Minimum Rs. 500)

  • Get 5,000 EDGE Miles as a welcome benefit. 
  • Earn 5 EDGE Miles/₹100 spent on travel edge portal and airlines spends.  
  • Get eight international lounge visits across the globe with the Horizon Credit Card.
  • This card offers discounts on dining with the Axis Bank Dining Delights Program.


This card provides access to domestic and international lounges without extra charges, which is an excellent advantage for frequent flyers.


There is no spending-based waiver associated with this card. This means that you would have to pay the fee on an annual basis.

Joining and Renewal Benefits

Axis Bank Horizon Credit Cardholders will receive 5,000 EDGE Miles as a welcome benefit on purchases of ₹1,000 or more within the first 30 days of receiving the card. There are no MCC restrictions for these purchases. These 5,000 EDGE Miles can be valued at ₹5,000 if converted to partner hotels or airline points.

On the card anniversary, 1,500 EDGE Miles will be credited. These renewal miles will be credited within 30 days of the credit card anniversary.

Earn EDGE Miles With Horizon Credit Card

  • Cardholders shall earn 5 EDGE Miles/₹100 spent on Axis Bank Travel Edge and airline spends (airline purchases made at airline-owned websites, at airline counters, and through airline helpline numbers.).
  • All other spends shall earn 2 EDGE Miles/₹100.

The following categories are not eligible for EDGE Mile earnings: Transportation & Tolls, Utilities, Insurance, Educational Institutions, Government Institutions, Wallet, Rent, and Fuel. Comparison of Features and Benefits of Axis Atlas and Horizon Credit Card

EDGE Mile Redemption

Category Redemption Rate Minimum EDGE Miles for Redemption
Miles Transfer 1 EDGE Mile = 1 Partner Point 500
Travel Edge Book Hotels, Flights, and Experiences by Redeeming EDGE Miles on the Travel Edge Platform 500

EDGE Miles to Partner Points Conversion Ration

Transfer your EDGE Miles earned with the Horizon Card to various airlines and hotel partners. You can transfer a maximum of 500,000 EDGE Miles to partner points in a year.

Group A (Maximum 100,000) Group B (Maximum 400,000) Transfer Ratio
Accor Hotels (Accor Live Limitless) Air France-KLM (Flying Blue) 1:1
Air Canada (Aeroplan) Air India (Flying Returns) 1:1
Ethiopian Airlines Air Asia 1:1
Etihad (Etihad Guest) ITC 1:1
Japan Airlines (JAL Mileage Bank) IHG® Hotels & Resorts (IHG One Rewards) 1:1
Marriott International ( Marriott Bonvoy) Qantas Airways (Qantas Frequent Flyer) 1:1
Qatar Airways SpiceJet 1:1
Singapore Airlines (Krisflyer) Vistara (TATA SIA Airlines Ltd) 1:1
Turkish Airlines 1:1
Thai Airways (Royal Orchid Plus) 1:1
United Airlines (MileagePlus) 1:1
Wyndham Hotels(Wyndham Rewards) 1:1

Complimentary Airport Lounge Access

Axis Bank Horizon Credit Cardholders can access lounges at domestic and international airports without paying the total charge. This facility is only available to the primary cardholder.

Domestic Airport

The number of free airport lounge visits varies depending on whether you have the Visa or Mastercard variant of the Horizon card. It’s also important to remember that an access fee of ₹2 for Visa and ₹25 for Mastercard Horizon Credit Cards will be charged for accessing airport lounges, which will later be refunded. The complete number of lounge visits for the Horizon Visa and Mastercard variants is provided below.

Credit Card Variant Lounge Visit
Axis Horizon Mastercard World 6 Per Calender Quarter
Axis Horizon Visa Signature 8 Per Calender Quarter

International Airport

Horizon Credit Cardholders can access international airport lounges twice each quarter, which means that they can easily visit international lounges eight times worldwide in a year. To access international airport lounges, a USD 1 transaction must be made; this fee will later be refunded.

Fuel Surcharge Waiver

Fuel purchases made with credit cards usually have an additional charge. The Axis Bank Horizon Credit Card provides a 1% fuel surcharge waiver on all fuel transactions between ₹400 to ₹5,000 when using the credit card, with a maximum cap of ₹400 on the waiver in the statement month. The GST charged on the fuel surcharge is non-refundable.

Comparison of Axis Horizon and Atlas Credit Card

Axis Horizon and Atlas Credit Cards are quite similar. Both are travel-centric credit cards that offer users numerous rewards on travel-related bookings. While Atlas can be availed by paying a higher fee, Horizon comes on the more economical side. One of the main differences between the two is the EDGE Mile redemption. With the Axis Horizon, you can convert 1 EDGE Mile for 1 partner point, while with Axis Atlas, you can convert 1 EDGE Mile for 2 partner points. Below is a comparison of both Axis Horizon and Axis Atlas Credit Cards.

Features Axis Horizon  Axis Atlas
Joining/Annual Fees ₹3,000 + GST ₹5,000 + GST
Joining Benefit 5,000 EDGE Miles 2,500 EDGE Miles
Spend-Based Annual Fee Waiver N/A N/A
Reward Rate 5 EDGE Miles/₹100 for Travel Edge and Airline Spends

2 EDGE Miles for All Other Eligible Transactions

5 EDGE Miles/₹100 for Travel Edge, Hotel, and Flight Bookings

2 EDGE Miles for All Other Eligible Transactions

EDGE Mile Redemption (Partner Points) 1 EDGE Mile = 1 Partner Point 1 EDGE Mile = 2 Partner Point
International/Domestic Lounge Access 8 International Every Quarter, 8 Domestic Every Quarter (Visa Variant) Tier-Based Lounge Access (Domestic Maximum 18, International Maximum 12)
Milestone Benefits  None Upto 10,000 EDGE Miles Are Awarded on Reaching Designated Spends

Review of Axis Horizon Credit Card

The Axis Horizon Credit Card is a great mid-range and affordable credit card for travel. It allows you to earn accelerated reward points on travel-related expenses. With this card, you can earn 5 EDGE Miles for every ₹100 spent on Travel Edge and airline expenses, giving you an impressive 5% reward rate on your travel spending. One of the most attractive features of this card is the access to both international and domestic airport lounges. Coupled with the high reward rate for airline expenses, this card ensures a comfortable and cost-effective travel experience.

It is a must-have for frequent travelers, whether for work or vacation, who are seeking an affordable and rewarding credit card option.


The Horizon Credit Card carries a joining and annual charge of ₹3,000. Since there is no spend-based renewal offered along the card, this fee shall have to be paid as long as the card is active.
No EDGE Miles shall be awarded for electricity bill payments or any other utility payments made with the Horizon Card.
You would need to log in to the Travel Edge portal to convert your EDGE Miles into partner points.

1 Comment

  1. Pratik Jain Reply

    I have an existing Citi premier miles card …when would that be converted into a horizon’s card ?

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