Axis Bank Horizon Credit Card

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 4 min read

Axis Horizon Credit Card is another useful premium airmiles based travel credit card from Axis Bank. This card is also known as junior Atlas Card. Means, if someone is looking for a card which gives benefits like a more premium card such as Atlas but at much lower fee, Horizon Card is an ideal choice. Of course, with significantly lower fee as compared to Atlas, the card comes with lower but still worthwhile travel benefits. Furthermore, this credit card comes which great joining benefit which reward you much more than the joining fee you pay. And since Axis Bank has stopped issuing Atlas Credit Card, this credit card becomes the best available choice to customers in mid-tier credit cards for airmiles.

Pros

The joining benefits far outweigh the joining fee — in fact, you can unlock value up to three times the joining cost.
Renewal benefit also covers most part of the renewal fee and is provided without any minimum spend in the previous year.
Good reward rate in the form of airmiles and hotel points.
Reward points redeemable both through airmiles/hotels programs and by direct booking of flights and hotels at a flat redemption rate of 1 Edgemile (reward point of Horizon Card) = Rs.1 on Axis Travel Edge portal.
Limits to transfer Edgemiles to airmiles and hotel program is very high (1 Lacs in Group-A airmiles/hotels program, and 4 Lacs in Group-B airmiles/hotels program)
Very high number of airport lounge access both domestic and international lounges.

Cons

Airport lounge access benefit is not available for add-on card holders or guests.
No rewards on education spend.
No milestone benefits or fee waiver on spending high amount.

Fees & Charges

Joining / Annual Fee ₹ 3,540

Renewal Fee ₹ 3,540

Annual Spend Target for Fee Waiver ₹ 999,999,999

Minimum Annual Income Required ₹ 650,000

Rewards and Benefits

Reward Rate

Base Reward Rate: 2%, 5% Rewards on direct payments to Airlines and Spend on Axis Travel Edge (Axis Bank's Travel Portal)

Base Reward Rate

2%

Accelerated Reward Rate

5%

Welcome Benefits

5000 EDGE Miles ( = 5,000 Airmiles or Hotel Points worth upto Rs.10,000) on the first transaction Rs.1,000 or more within 30 days of Credit Card issuance

Renewal Benefits

1500 Edgemiles within 30 Days of Card Renewal

Rewards & Cashback Details

Travel: Get 5 Edge Miles on Rs.100 Spend on flights, hotels and experiences booking at Axis Bank Travel Edge portal and on airline spends using Axis Bank Horizon Credit Card. Airline spends refer to purchases made at airline owned websites, at airline counters, and airline helpline numbers.
Other Spend: 2 Edge Miles per Rs.100 spend on other spend
Rewards on Fuel, Jewellery, Insurance Premium, Utility Bills etc : While this credit card do not provide Edge Miles on Fuel, Jewellery, Insurance Premium, Utility Bills, it does provide Edge Miles on Giftcards purchased from any website or app. So, you can purchase HP Pay giftcards from HP Pay app or BPCL Giftcards on BPCL app to pay for you fuel. You can purchase Amazon Pay giftcards to pay for your utility bills and insurance premium. Similarly, you can purchase giftcards of Tanishq, Joylukas, Kalyan Jewellers etc. to purchase gold and jewellery. So, through giftcards, you can earn Edge Miles on all these excluded spend as well.

Rewards Redemption

There are following options to redeem your Edge MilesOption-1 (Highly recommended): Miles Transfer Program: Cardholders can transfer their accumulated EDGE Miles to domestic and international hotel and airline loyalty programs.

1 EDGE Mile = 1 Partner Point for all partners including Marriott Bonvoy
Total EDGE MILES that can be transferred to Partner Points in a calendar year is capped to 1,50,000 EDGE MILES per customer ID.
All airmiles transfer partners are divided in two groups (Group A & Group B). For redemption through Miles Transfer Program, the customer will be able to transfer maximum of 1,00,000 EDGE Miles per customer id cumulatively to partners in Group A and maximum of 4,00,000 EDGE Miles per customer id cumulatively to partners in Group B in a calendar year.
Following is a detailed list of airline and hotel loyalty partners with Axis Bank:
- Group A (Transfer upto 1 Lacs Edge Miles annually): Accor Hotels (Accor Live Limitless), Air Canada (Aeroplan), Ethiopian Airlines, Etihad (Etihad Guest), Japan Airlines (JAL Mileage Bank), Marriott International ( Marriott Bonvoy), Qatar Airways , Singapore Airlines (Krisflyer), Thai Airways ( Royal Orchid Plus), Turkish Airlines, United Airlines (MileagePlus), Wyndham Hotels (Wyndham Rewards)
- Group B (Transfer upto 4 Lacs Edge Miles annually): Air France-KLM (Flying Blue), Air India (Flying Returns), Air Asia, ITC, IHG® Hotels & Resorts (IHG One Rewards), Qantas Airways (Qantas Frequent Flyer), SpiceJet

Option-2 (Descent Option for Horizon's Edge Mile Redemption): Travel Booking through Axis Bank's TravelEdge Portal: Cardholders can redeem EDGE Miles for booking flights, hotels & experiences by

Logging into Axis Bank Mobile app & clicking on “Book Now” in EDGE Miles dashboard or
Logging into https://traveledge.axisbank.co.in
Get fixed value of your Edge Miles, 1 Edge Mile = Rs.1

Option-3 (Not Recommended): Products and Gift Vouchers: As per catalogue structure (Product and gift vouchers).

Visit https://edgerewards.axisbank.co.in
Get fixed value of your Edge Miles, 1 Edge Mile = Rs.1
This redemption option is not recommended as you get low value of your Edge Miles.

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Dining Benefits

Railway Lounge Access

Movie Benefits

Golf Benefits

Lifestyle Benefits Details

Dining: On payment to restaurants via EazyDiner App, get 15% off up to Rs. 500 on minimum Order Value of Rs. 2,500 once per card per month
Domestic Airport Lounge Access: Get 32 airport lounge access in a year (8 per quarter) for Primary Card holder with Horizon Visa card. With Horizon Master Card variant, get 24 airport lounge access in a year (6 per quarter). To access the lounge, swipe your credit card at lounge entry. There is no minimum spend condition to access the lounge.
International Lounge Access: Get 8 International Airport Lounge Access (2 per quarter). Lounge access in provided by Priority Pass lounge network but you do not get a physical Priority Pass to access the lounge. You simply need to swipe your credit card at international lounge entry to access the lounge. There is no minimum spend condition to access the lounge.
Lost Card Liability Insurance: Lost Card Liability cover up to a limit of Rs. 10 lacs card transaction frauds as specified in terms and conditions is provided.

Features & Benefits

Reward Points

Airmiles

Airport Lounge

Gift Cards

Cashback

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Jewellery

Wallet Load

Rewards on EMI

No Cashback / Rewards Categories

No Edgemiles (Reward Points) on following.

Transportation & Tolls
Utilities and Telecom
Insurance
Educational Institutions
Govt. Institutions
Wallet
Rent
Fuel

Ratings & Reviews

4.2

Overall Rating

Reward Rate

5/5

Lifestyle Benefits

4/5

Ease of Reward Redemption

3/5

Value For Money

5/5

Customer Service

4/5

Eligibility & Important Info

Eligibility Criteria

Not disclosed by Axis Bank officially. but basis user experience, it appears to be following.

Age: 18 years to 70 years
Resident of India
Annual Income (Salaried): Rs.6.5 Lacs
Annual Income (Self-Employed): Rs.8 Lacs

Important Links

International Airport Lounge Network (via Priority Pass): https://www.prioritypass.com/airport-lounges
Domestic Airport Lounge Network (via Priority Pass): https://www.prioritypass.com/airport-lounges