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Axis Bank

Axis Bank Horizon Credit Card

cat name Travel
cat name Reward Points
3.5/5.0

Rewards3.5/5

Lounge Access3.5/5

Welcome Benefits3.5/5

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1st Year Fee: ₹3,000* Plus Applicable Taxes

Travel

Travel

5 EDGE Miles per Rs. 100 spent

Lounge Access

Lounge Access

Up to 32 lounge visits per year

Rewards

Rewards

1:1 redemption against travel partners

Updated on February 19, 2025 6:13 pm

Author: Megha Khanna

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About The CardReward DetailsOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

About Axis Bank Horizon Credit Card

Axis Bank Horizon Credit Card is an airline-agnostic travel credit card. At an annual fee of Rs. 3,000, the card offers travel benefits in the form of EDGE Miles, which can be redeemed at a 1:1 point-to-mile conversion ratio across various travel partners. Besides this, it offers a decent number of international and domestic lounge visits along with welcome and renewal benefits, giving competition to cards like Axis Atlas or SBI Miles Elite.

This card has migrated from Citi PremierMiles, where its reward earning rate has decreased from 10% to 5%. It compensates for this by offering a redemption ratio of 1:1, which was previously 2:1 against travel partners. Additionally, the inclusion of international lounge visits and an increased number of domestic lounge visits enhance the overall value of this card.

Note: This card is not available on Paisabazaar.com. Content on this page is for information purposes only. To express interest in this card, please visit Axis Bank’s website.

Axis Bank Horizon: Rewards Program

  • 5 EDGE Miles per Rs. 100 spent: On Axis Bank Travel EDGE portal and direct airline websites/counters
  • 2 EDGE Miles per Rs. 100 spent1: On all other spending categories

Reward Redemption Options2:

  • Flights and hotel bookings via the Axis Bank Travel EDGE platform
  • For the purchase of products and gift vouchers available in the Axis Bank credit card rewards catalogue
  • Instant redemption at partner outlets
  • Convert your EDGE Miles into partner miles at a value of 1 EDGE Mile = 1 Partner Point via Axis Bank Miles Transfer program, divided into Group A & Group B. Users can redeem a total of 5,00,000 Miles in a year, with a capping of 1,00,000 Miles for Group A partners and 4,00,000 Miles for Group B partners. Partner list as follows:
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Other Features & Benefits:

  • Welcome Bonus: 5,000 EDGE Miles on making the first card transaction worth Rs. 1,000 or more within 30 days of card issuance
  • Renewal Benefit: 1,500 EDGE Miles as renewal bonus credited within 30 days from credit card anniversary date
  • Lounge Access: The card offers up to 32 lounge visits per year as mentioned in the below table:
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Axis Bank Horizon: Fees & Charges

Particulars Amount
Joining/Annual Fee Rs. 3,000
Forex Mark-up Fee 3.5%
Finance Charges 3.60% per month | 52.86% p.a.
Late Payment Fee
On outstanding dues of –
Less than Rs. 500 Nil
From Rs. 501 to Rs. 5,000 Rs. 500
From Rs. 5,001 to Rs. 10,000 Rs. 750
Greater than Rs. 10,000 Rs. 1,200

Value Back Comparison: Axis Horizon Vs. Axis Atlas Vs. SBI Miles Elite

Axis Horizon, Axis Atlas, and SBI Miles Elite are airline-agnostic credit cards that are designed to offer Air Miles on every spend. Let’s compare how much value back you can get with these cards on spending Rs. 1 Lakh in a month.

Axis Horizon Axis Atlas SBI Mile Elite
Travel Spends: Rs. 1 Lakh Travel Spends: Rs. 1 Lakh Travel Spends: Rs. 1 Lakh
Rewards Accumulated: 5,000 = 5,000 Air Miles/ Hotel Loyalty Points Rewards Accumulated: 5,000 = Up to 10,000 Air Miles/ Hotel Loyalty Points Rewards Accumulated: 3,000 = 3,000 Air Miles/ Hotel Loyalty Points

It is clear from the above table that if you are looking for an airline-agnostic travel credit card, Axis Atlas would be a better choice due to its 1:2 point-to-mile conversion ratio. However, if you consider the annual fee, Axis Horizon also offers decent benefits. This card justifies its annual fee with a 5% reward rate and a 1:1 point-to-mile conversion ratio.

Things to Know Before you apply

Get this card if:

You are a frequent traveller seeking an airline-agnostic travel credit card

You are looking for a card with high number of complimentary airport lounge visits

You do not have any travel brand preference or are not loyal to any airline or hotel

You prefer utilizing your rewards for travel bookings

Other Similar Credit Cards:

Axis Atlas Credit Card

SBI Card Miles Elite

HSBC TravelOne

Paisabazaar Review

Overall Rating

3.5/5

Rewards3.5/5

Lounge Access3.5/5

Welcome Benefits3.5/5

What do we like about this card?

The card offers accelerated rewards on travel bookings with miles conversion against 20+ travel partners, including Qatar Airlines, SpiceJet, Air Asia, etc. Where the Citi PremierMiles Card previously only offered domestic lounge access, Axis Horizon offers an enhanced number of both domestic and international lounge visits. The count is even higher than other similar cards like Axis Atlas or SBI Card Miles Elite. Additionally, via the welcome benefits, the card surpasses the fee by a good margin of Rs. 2,000. Card users also earn 1,500 bonus EDGE Miles at the time of renewal, which is a decent amount if redeemed against travel bookings.

Pros

  • Good redemption ratio of up to 1:1
  • High number of complimentary airport lounge visits
  • Welcome benefit surpass the joining fee
  • Accelerated rewards on travel bookings also include spends at direct airline websites/counters
  • Decent return via base reward rate

Cons

  • No milestone benefits
  • No annual fee waiver option
  • Exclusion of some everyday transactions from reward program
  • Grouping of travel partners with low limit to partners in Group A
  • No concessional forex markup fee

Conclusion

This card offers a reward rate similar to Axis Atlas, but it falls behind due to its 1:1 point-to-mile conversion ratio. Axis Atlas, with a slightly higher annual fee, offers a 1:2 point-to-mile conversion ratio, resulting in higher savings. However, those who do not want to pay an annual fee of Rs. 5,000 can consider Axis Horizon, especially frequent travelers with no specific brand inclinations seeking all-round travel benefits.

Frequently Asked Questions

Everything you need to know about this credit card

The card offers exciting offers every Wednesday on popular brands. You can avail 15% savings on travel bookings (flights and hotels) on Goibibo and MakeMyTrip. Additionally, avail 10% off on Swiggy, Amazon Fresh, and Tira.

The card charges a cash withdrawal fee of 2.5% of the transaction amount (minimum Rs. 500). In general, withdrawing cash using a credit card is not advisable. Along with the withdrawal charges, the interest is charged on cash advances right from the day of making the transaction; the interest-free period does not apply for credit card cash withdrawals.

Despite being a travel credit card, the card does not offer any concessional forex markup fee. On international transactions, a standard forex markup fee of 3.5% of the transaction amount is applicable.

You can avail the Axis Bank Horizon credit card if you are aged between 18 and 70 years. Except for this, the bank decides your eligibility based on factors like your monthly income, credit score, credit history, etc.

Considering a redemption value of 1:1, with 5000 bonus reward points, you can get a value back of 5000 air miles, redeemable against travel partner points.

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Footnotes

  1. Excluded categories: Spends made on fuel, utilities, rent, insurance, transportation and tolls, educational or government institutions and wallet loading.
  2. Cardholders must have minimum 500 EDGE Miles accrued in their accounts to carry out their redemption.

Click here to know More Terms and Conditions

Megha Khanna linkedIn icon

Content Writer

Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

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