← Part of Axis Credit Cards in India
The Axis Bank Horizon Credit Card, launched as a successor to the Citi PremierMiles card, is a travel-centric credit card with a joining and annual fee of ₹3,000 plus GST. IT offers 5,000 EDGE Miles as a welcome benefit for spending ₹1,000 or more within the first 30 days, providing a value of approximately ₹5,000.
| Parameter | Details |
|---|---|
| Card Type | Travel-centric Credit Card (airline-agnostic, mid-range) |
| Joining Fee | ₹3,000 + GST (approximately ₹3,540) |
| Annual Fee | ₹3,000 + GST (No spend-based waiver) |
| Renewal Benefit | 1,500 EDGE Miles annually (from 2nd year onward) |
| Welcome Benefit | 5,000 EDGE Miles on spending ₹1,000+ within 30 days of card issuance (for paid cards) |
| Reward Rate (Travel EDGE portal & direct airline spends) | 5 EDGE Miles per ₹100 spent |
| Reward Rate (Other spends) | 2 EDGE Miles per ₹100 spent (excluding categories like transportation, utilities) |
| EDGE Miles Redemption Ratio | 1:1 across multiple travel partners |
| EDGE Miles Validity | 3 years from issuance |
| Minimum EDGE Miles Redemption | 500 Miles |
| Domestic Airport Lounge Access (Visa Signature) | 8 complimentary visits per quarter (up to 32 visits/year) |
| Domestic Airport Lounge Access (Mastercard World) | 6 complimentary visits per quarter (up to 24 visits/year) |
| International Airport Lounge Access | 2 complimentary visits per calendar quarter (up to 8 visits/year) |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 – ₹5,000 (capped at ₹400 per statement month at HPCL Pumps) |
| Foreign Currency Markup Charge | 3.50% on the Indian currency equivalent to US Dollars |
| Dining Benefits | Axis Bank Dining Delights Program, 25% instant discount via EazyDiner (min. ₹2,500 order, max. ₹800/month), ‘Wednesday Delight’ offers |
| Lost Card Liability Cover | ₹10 lakh |
| EDGE Miles Transfer Limit | Up to 5,00,000 Miles annually (1,00,000 for Group A partners, 4,00,000 for Group B partners) |
| Transfer Partners (Group B) | Air France-KLM, Air India, Air Asia, ITC, IHG® Hotels & Resorts, Qantas Airways, SpiceJet, Vistara |
| Application Approval Duration | 5-7 working days (typically within a day for approval) |
The card is positioned as a mid-tier travel option, offering a direct 5% earn rate on flights and flexible transfers to over 19 airline partners at a 1:1 ratio, making IT suitable for frequent travelers.
Reward Program: EDGE Miles
The Axis Bank Horizon Credit Card offers EDGE Miles as its primary reward currency, designed for travel enthusiasts. Cardholders earn 5 EDGE Miles per ₹100 on travel-related spends and 2 EDGE Miles per ₹100 on most other transactions (as of April 2026).
These EDGE Miles can be redeemed for flights, hotels, or transferred to various airline and hotel loyalty programs at competitive ratios.
| Spend Category | EDGE Miles Earn Rate | Details |
|---|---|---|
| Axis Bank Travel EDGE portal and direct airline websites/counters | 5 EDGE Miles per ₹100 | Applicable for flights and hotels booked through the Axis Bank Travel EDGE portal and direct airline websites/counters. |
| All other spends | 2 EDGE Miles per ₹100 | Excludes specific categories like fuel, utilities, rent, insurance, and wallet loading. |
| Welcome Benefit | 5,000 EDGE Miles | Received upon making the first card transaction of ₹1,000 or more within 30 days of card issuance. |
| Renewal Benefit | 1,500 EDGE Miles | Credited annually upon successful payment of the renewal fee. |
| Annual Spends of ₹1.60 lakh | Accelerated EDGE REWARD Points worth ₹8,000 | An additional benefit for cardholders achieving this annual expenditure milestone. |
| Miles Transfer to Group A Partners | 1:1 conversion ratio | Maximum 1 lakh EDGE Miles can be transferred cumulatively per calendar year. Excludes British Airways, Finnair, and Lotusmiles (2 EDGE Miles = 1 Partner Point). |
| Miles Transfer to Group B Partners | 1:1 conversion ratio | Maximum 4 lakh EDGE Miles can be transferred per calendar year. Partners include Air France-KLM, Air India, Air Asia, ITC, IHG® Hotels & Resorts, Qantas Airways, SpiceJet, Vistara. |
| Total Annual Miles Transfer Limit | 5,00,000 EDGE Miles | The maximum EDGE Miles transferable to partner points in a calendar year per customer ID. |
| Direct Redemption on Travel EDGE portal | 1 EDGE Mile = ₹1 | Redeemable for flights or hotels directly through the portal, with a minimum redemption of 500 Miles. |
| Excluded Categories (0 EDGE Miles) | 0 EDGE Miles | Spends on fuel, utilities, rent, insurance, transportation and tolls, educational/government institutions, and wallet loading do not earn EDGE Miles. |
The EDGE Miles program provides a flexible redemption system, allowing cardholders to maximize value based on their travel preferences.
Travel Benefits: Lounges & Fuel
The Axis Bank Horizon Credit Card offers extensive travel benefits for cardholders in India, including complimentary airport lounge access and fuel surcharge waivers. Cardholders can enjoy up to 8 domestic and 8 international lounge visits annually, making IT suitable for frequent travelers.
| Benefit | Details | Frequency/Waiver |
|---|---|---|
| Domestic Airport Lounge Access (Visa Signature) | 8 complimentary visits per calendar quarter | Up to 32 visits per year |
| Domestic Airport Lounge Access (Mastercard World) | 6 complimentary visits per calendar quarter | Up to 24 visits per year |
| International Airport Lounge Access | 2 complimentary visits per calendar quarter | Up to 8 visits per year |
| International Airport Lounge Access Transaction Fee | USD 1 transaction fee, refunded later | Per visit |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹5,000 at HPCL Pumps | Maximum waiver of ₹400 per statement month |
| Fuel Surcharge Waiver (GST) | GST charged on fuel surcharge is non-refundable | Per transaction |
| Lounge Access Eligibility (Horizon Card) | No spend-based criteria for complimentary lounge access | Ongoing |
| Lost Card Liability Cover | Insurance cover of ₹10 lakh | Per incident |
The card’s lounge access is a significant advantage, particularly for the Visa Signature variant offering up to 32 domestic visits annually. The 1% fuel surcharge waiver at HPCL pumps further adds to its utility for daily commutes.
Eligibility & Application Process
The Axis Bank Horizon Credit Card is available to both resident and Non-Resident Indians (NRIs) aged 18 years or older. Applicants generally need a minimum annual income of ₹9 lakh to qualify for this travel-centric card.
- Age Criteria: Primary cardholders must be at least 18 years old. Add-on cardholders can be as young as 15 years.
- Residency Status: The card is open to both resident Indians and Non-Resident Indians (NRIs) residing in India.
- Minimum Income: Applicants typically require a minimum annual income of ₹9 lakh. This ensures financial stability for credit card management.
- Credit History: A strong credit history and CIBIL score are for approval. Banks prefer scores above 750 for premium cards.
- Required Documents: Standard documents include identity proof (PAN card, Aadhaar), address proof (utility bills), and income proof (salary slips, IT returns).
- Application Channels: You can apply for the Axis Bank Horizon Credit Card online via the Axis Bank website or by visiting a local branch.
- Application Duration: The approval process typically takes 5-7 working days from the submission of a complete application.
- Card Delivery: Once approved, the physical card is usually delivered to the applicant within 7 days.
Meeting these criteria your chances of approval for the Axis Bank Horizon Credit Card, which began its application process on January 21, 2026.
Dining & Lifestyle Privileges
The Axis Bank Horizon Credit Card offers specific benefits for dining and lifestyle, daily spending. Cardholders receive discounts through the Axis Bank Dining Delights Program and fuel surcharge waivers at HPCL Pumps. These privileges complement the card’s travel focus, providing value on everyday transactions.
- Dining Delights Program: Cardholders get exclusive discounts at over 10,000 partner restaurants across India. This program provides instant savings on dining experiences.
- EazyDiner Discounts: Enjoy a 25% instant discount on EazyDiner with a minimum order value of ₹2,500. The maximum discount is capped at ₹800 per month.
- Swiggy Offers: The card provides instant discounts on Swiggy, making food delivery more economical. These Wednesday Delight offers are exclusive to cardholders.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available at HPCL Pumps for transactions between ₹400 and ₹5,000. This waiver is capped at ₹400 per statement month.
- Lost Card Liability Cover: The card includes an insurance cover of ₹10 lakh for lost card liability. This provides financial protection against unauthorized transactions if the card is lost or stolen.
- EMI Conversion: Purchases of ₹2,500 and above can be converted into convenient EMI options. This feature helps manage larger expenses more flexibly.
These dining and lifestyle benefits add practical value to the Axis Bank Horizon Credit Card, extending beyond its primary travel rewards.
Horizon Vs. Axis Atlas
The Axis Bank Horizon Credit Card a mid-range, airline-agnostic travel card, often considered the basic version of the more premium Axis Atlas. While both cards target travelers, the Horizon card offers a 1:1 EDGE Mile conversion ratio to 19+ airline partners, with an annual transfer CAP of 5,00,000 EDGE Miles.
The Axis Atlas, its pricier sibling, provides a better EDGE Mile conversion ratio of 1:2 to partner points and includes substantial milestone bonuses for higher spending, unlike the Horizon card.
| Feature | Axis Bank Horizon Credit Card | Axis Atlas Credit Card |
|---|---|---|
| Card Type | Airline-agnostic travel credit card | Airline-agnostic travel credit card |
| Annual Fee | ₹3,000 + GST | ₹5,000 + GST |
| Welcome Benefit | 5,000 EDGE Miles (on spending ₹1,000+ within 30 days) | 2,500 EDGE Miles |
| Base Reward Rate | 2 EDGE Miles per ₹100 spent (on most spends) | 2 EDGE Miles per ₹100 spent (on most spends) |
| Accelerated Reward Rate (Travel) | 5 EDGE Miles per ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites (no spend limitation) | 5 EDGE Miles per ₹100 spent on travel bookings up to ₹2 lakh |
| EDGE Mile Conversion Ratio | 1 EDGE Mile = 1 partner point | 1 EDGE Mile = 2 partner points |
| Annual Miles Conversion CAP | 5,00,000 EDGE Miles | 1,50,000 EDGE Miles |
| Milestone Benefits | None | Substantial milestone bonuses for high spenders |
| Annual Fee Waiver | No (renewal fee of ₹3,000 + GST, but receives 1,500 EDGE Miles as renewal benefit) | Not explicitly mentioned for waiver, but annual fee is ₹5,000 + GST |
| Domestic Lounge Access | Mastercard World: 6 visits per quarter (24 visits/year); Visa Signature: 8 visits per quarter (32 visits/year) | Generally fewer free visits despite higher fee |
| International Lounge Access | 2 visits per calendar quarter (8 visits/year) | Not explicitly detailed |
| Foreign Currency Markup | 3.50% | Not explicitly detailed |
| Hotel Rewards | No accelerated earnings on direct hotel swipes (5x only via Axis Travel EDGE portal) | Earns accelerated rewards on Airline AND Hotel spends |
The Horizon card is ideal for those seeking straightforward travel rewards without complex tiers, offering a higher annual miles transfer limit compared to the Atlas.
Fees & Charges Explained
The Axis Bank Horizon Credit Card carries a joining fee of ₹3,000 plus GST, with the same amount applicable as an annual renewal fee. While no annual fee waiver is offered based on spending, cardholders receive 1,500 EDGE Miles upon renewal.
| Charge Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee | 3,000 + GST | Applicable for the Axis Bank Horizon Credit Card. |
| Annual Fee | 3,000 + GST | No annual fee waiver based on spending milestones. |
| Renewal Benefit | 1,500 EDGE Miles | Received upon annual renewal fee payment. |
| Foreign Currency Markup Charge | 3.50% | Applicable on international transactions in US Dollars or other foreign currencies. |
| Fuel Surcharge Waiver | 1% | Waived for transactions between ₹400 – ₹5,000. Capped at ₹400 per statement month. GST on fuel surcharge is non-refundable. |
| Domestic Lounge Access Fee | ₹2 | Transaction fee for Visa Signature variant, refunded later. |
| International Lounge Access Fee | USD 1 | Transaction fee for Visa Signature variant, refunded later. |
Understanding these charges helps in evaluating the overall value proposition of the Horizon Credit Card, especially for frequent travelers who may incur foreign transaction fees.
Terms & Conditions
The Axis Bank Horizon Credit Card, a successor to the Citi PremierMiles card, has specific terms for its operation and benefits. Cardholders must be aware of the annual fees, foreign transaction charges, and conditions for lounge access and reward redemptions as of 2026.
- The annual joining fee for the Axis Bank Horizon Credit Card is ₹3,000 plus GST, with the same amount charged as a renewal fee each year.
- A foreign currency markup charge of 3.50% applies to international transactions, calculated on the Indian currency equivalent of US Dollars.
- Complimentary domestic lounge access for the Visa Signature variant incurs a ₹2 transaction fee, which is later refunded.
- International lounge access for the Visa Signature variant involves a USD 1 transaction fee, also refunded post-transaction.
- EDGE Miles, the card’s reward points, have a validity period of 3 years from the date of accrual.
- The maximum annual transfer limit for EDGE Miles to partner airlines like Air India or Flying Blue is 4 lakh miles.
- RBI rules mandate OTP-based consent for card activation if the card is not activated within 30 days of issuance.
Key Takeaways
- The Axis Bank Horizon Credit Card carries an annual fee of ₹3,000 + GST, without a waiver based on spending milestones.
- Cardholders receive 1,500 EDGE Miles as a renewal benefit from the second anniversary year onwards.
- A 3.50% foreign currency markup applies to international transactions, impacting overseas spending.
Review the detailed terms and conditions on the official Axis Bank website before applying for the Horizon Credit Card.
Frequently Asked Questions (FAQs)
What are the key travel benefits of the Axis Bank Horizon Credit Card?
The Axis Bank Horizon Credit Card offers 5 EDGE Miles per ₹100 spent on the Axis Bank Travel EDGE portal and direct airline websites. Cardholders also receive 2 complimentary international airport lounge accesses per calendar quarter. , you earn 2 EDGE Miles per ₹100 on all other spends.
What is the annual fee for the Axis Bank Horizon Credit Card?
The Axis Bank Horizon Credit Card has an annual fee of ₹3,000 plus GST. While there is no annual fee waiver based on spending, you receive 1,500 EDGE Miles as a renewal benefit each year. This fee structure was maintained as of early 2026.
Can I transfer EDGE Miles from the Axis Bank Horizon Credit Card to airline partners?
Yes, you can transfer EDGE Miles from the Axis Bank Horizon Credit Card to over 19 airline partners, including Air India Flying Returns, at a 1:1 ratio. The card allows transfers of up to 4 lakh EDGE Miles to partners like Air India or Flying Blue. This makes IT a flexible option for frequent flyers.
Does the Axis Bank Horizon Credit Card offer fuel surcharge waivers?
Yes, the Axis Bank Horizon Credit Card provides a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000. This waiver is capped at ₹400 per statement month. This benefit helps reduce costs on regular fuel purchases.
What are the eligibility criteria for the Axis Bank Horizon Credit Card?
Axis Bank typically requires applicants to be Indian residents aged between 18 and 70 years, with a stable income. While specific income thresholds vary, a strong CIBIL score, generally above 750, significantly improves approval chances. The bank reserves the final right to approve or decline applications.
How does the Axis Bank Horizon Credit Card compare to the former Citi PremierMiles card?
The Axis Bank Horizon Credit Card is the successor to the Citi PremierMiles card after the merger of Citi India’s consumer business with Axis Bank. Horizon offers a 1:1 redemption ratio for EDGE Miles, which is an improvement over PremierMiles’ 2:1 ratio. However, EDGE Miles have a 3-year validity, unlike the ‘points never expire’ feature of the old Citi card.
What is the reward earning rate on the Axis Bank Horizon Credit Card?
The Axis Bank Horizon Credit Card offers 5 EDGE Miles for every ₹100 spent on the Axis Bank Travel EDGE portal and direct airline websites. For all other retail spends, you earn 2 EDGE Miles per ₹100. This reward structure focuses on maximizing benefits for travel-related expenses.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.