Axis Bank
Signature · Horizon
Axis Bank Horizon Credit Card
Axis Bank
Accelerated miles for the frequent flyer
Annual Fee
₹3,000
Joining Fee
₹3,000
Reward Rate
1.0%
Forex Markup
2%
Value Analysis
Annual Net Value
₹46,460
Total Annual Benefits
₹50,000
Total Annual Charges
₹3,540
ROI
1312%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Travel Benefits (2)
5 EDGE Miles per ₹100 on Travel
Earn 5 EDGE miles per ₹100 on all travel spends including flights, hotels, and travel agencies
- • Valid on travel category spends
- • Flights, hotels, travel agents
5 miles per ₹100
Low Forex Markup
Only 2% currency markup on international transactions
2%
Reward Points (1)
2 EDGE Miles per ₹100 on Other Spends
Earn 2 EDGE miles per ₹100 on all other retail transactions
- • Applies to all non-travel spends
2 miles per ₹100
Airport Lounge Access (1)
Domestic & International Lounge Access
8 domestic lounge visits per quarter and 4 international lounge visits per year
- • Domestic via Dreamfolks
- • International via Priority Pass
32 domestic + 4 intl/year
₹94,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹400 per statement cycle
1% waiver
₹4,800/yr
Reward Program
Program
Axis EDGE Miles
2–5 EDGE miles per ₹100
Effective cashback: 1.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Transfer to airline partners (Vistara, Singapore Airlines, etc.)
- → Flights & Hotels via Edge Rewards portal
- → Products & Gift Vouchers
Bonus Categories
Travel
5x multiplier
5 EDGE miles per ₹100
All other spends
2x multiplier
2 EDGE miles per ₹100
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹3,000 Excluding GST at 18% |
| Annual Fee | ₹3,000 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹400/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹50,000
- Min. Annual Income
- ₹6,00,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹50,000
- • Self-Employed: ITR > ₹6 Lakh p.a.
- • Age 21–65 years
- • Ideal for frequent travellers
Insurance Coverage
Accidental Death
₹1.0 Cr
Permanent Disability
₹1.0 Cr
Travel Insurance
₹25.0 L
Lost Card Liability
₹5.0 L
Report within 24h
Air Accident Cover
₹2.5 Cr
- • Air accident cover: ₹2.5 Crore
- • Travel insurance: ₹25 Lakh
- • Lost card liability: ₹5 Lakh
- • Report loss within 24 hours for coverage
Airport Lounge Access
Domestic
8 visits/year
Per quarter
~₹2,500/visit
International
4 visits/year
Per year
~₹3,500/visit
Dreamfolks Priority Pass
- • 8 domestic lounge visits per quarter
- • 4 international lounge visits per year
- • Swipe card at participating lounges
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹5,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Visa Signature privileges Air miles transfer to partners Domestic & international lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Axis Horizon Credit Card is a Visa Signature tier card offering 5 EDGE miles per ₹100 on travel spends and 2 EDGE miles per ₹100 on all other tran...
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