Axis Horizon

by Axis • Visa / Mastercard

Complete Benefits & FAQs

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“Excellent travel card at ₹3K/year. EDGE Miles (not RP) at 1 Mile = ₹1 makes value calculation simple. 2% base rate is outstanding for this price segment — matches or beats many premium cards. 5% on Travel EDGE/airlines is the best non-portal rate in the Axis lineup below Magnus. Lounge access is incredibly generous: 8 domestic/quarter on Visa (6 Mastercard) + 2 international/quarter = up to 40 visits/year! ₹10L lost card liability is good. Weak on insurance otherwise (no purchase protection, no baggage). No-earn categories include Transportation & Tolls (unique to Horizon, not seen on other Axis cards). Renewal benefit of 1,500 miles (₹1,500) offsets half the annual fee. Welcome 5K miles (₹5K) more than covers year-1 fee. Strong contender for best value Axis travel card below Magnus.”

Fee Waiver: Spend-based fee waiver available (threshold not explicitly specified on card page — check T&C)

Best suited for

🎯 Travel enthusiasts — 5% on Travel EDGE + airlines is excellent🎯 Frequent flyers wanting generous lounge access (8 domestic + 2 international per quarter!)🎯 Users wanting a strong base rate (2% as EDGE Miles = ₹1 each)🎯 Travel miles collectors — transfer to 20 airline/hotel partners🎯 Mid-range fee card (₹3K) with premium-tier lounge benefits

Welcome & Onboarding Perks

•5,000 EDGE Miles credited on first transaction ≥ ₹1,000 within 30 days of card issuance
•Value: ₹5,000 (at 1 Mile = ₹1)

Airport Lounge Privileges

Domestic8 complimentary domestic airport lounge visits per calendar quarter

International2 international airport lounge accesses per calendar quarter

Dining Offers

Axis Bank Dining Delights Program

Dining discounts at top restaurants across India

Reward Rates

Travel EDGE Portal & Airlines (5%)

up to 5%

Base Spends

up to 2%

Surcharges & Waivers

Forex Markup3.50% on international non-DCC transactions

Interest Rate3.75% per month (55.55% per annum)

Rent Surcharge1% per rental transaction + GST

Utility Payments1% on cumulative utility spends ≥₹25,000 per statement cycle

Wallet Loading1% on cumulative wallet loads ≥₹10,000 per statement cycle

Fuel Surcharge Waiver

Waiver %1%

Cap / cycle₹400 per statement month

Transaction range₹₹400 – ₹₹5,000

Eligibility Requirements

Salaried

Age18 to 70 years

Note: Criteria are indicative; bank reserves right to approve/decline.

Documents Required

•PAN card photocopy / Colour photograph
•Proof of income — Latest payslip / Form 16 / IT return / Form 60
•Residence proof — Driving License / Electricity bill / Landline telephone bill

Key Highlights

✓EMI conversion for large transactions

✓Add-on cards available (nil fees)

✓Wednesday Delight weekly offers

✓Dining Delights program

Frequently Asked Questions

Ready to apply for Axis Horizon?

Annual fee: ₹3,000 + GST

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