Axis Bank Horizon Credit Card Review 2025 - Travel Rewards

25 August, 2025

Axis Bank Horizon Credit Card: Your Gateway to Premium Travel Rewards in India

Looking for the best travel credit card in India that doesn't break the bank? The Axis Bank Horizon Credit Card might just be your perfect travel companion. This premium travel rewards card offers an impressive blend of accelerated rewards, complimentary airport lounge access, and valuable partner benefits - all at a reasonable annual fee.

Whether you're a frequent flyer or someone who loves exploring new destinations, understanding what this card offers can help you make miles and memories while earning substantial rewards on every purchase.

Axis Bank Horizon Credit Card Fees Structure

Before diving into the rewards and benefits, let's address the elephant in the room - the fees. The Axis Bank Horizon Credit Card comes with a joining fee of ₹3,000 + GST (approximately ₹3,540) and a renewal fee of ₹3,000 + GST.

No spend-based annual fee waiver available
However, you receive valuable benefits that often offset this cost

Ready to apply for India's most rewarding travel credit card? Apply for Axis Bank Horizon Credit Card now and start earning premium travel rewards.

Welcome Benefits & Renewal Rewards

Joining Benefits That Pay for Themselves

The Axis Bank Horizon Credit Card welcomes you with 5,000 EDGE Miles when you spend ₹1,000 within your first 30 days. These aren't ordinary reward points - they're your ticket to exceptional value:

Direct Value: Worth approximately ₹5,000 when converted to partner hotels or airline points
Accor Hotels Goldmine: Transfer at 1:1 ratio to get 5,000 Accor points, valued at ₹10,000 ( 1 Accor point ~₹2)

Renewal Benefits

Every year on your card anniversary, you'll receive 1,500 EDGE Miles as renewal benefits, credited within 30 days of your renewal date.

Want to start earning these incredible welcome rewards? Get your Axis Bank credit card today and unlock premium travel benefits.

EDGE Miles Earning Structure: Where This Card Shines

The Axis Bank Horizon Credit Card's reward system is designed with travelers in mind:

Accelerated Travel Rewards

5 EDGE Miles per ₹100 on Axis Bank Travel Edge bookings
5 EDGE Miles per ₹100 on airline purchases (direct airline websites, counters, helpline)
2 EDGE Miles per ₹100 on all other eligible spending

Excluded Categories

Certain categories don't earn EDGE Miles:

Transportation & Tolls
Utilities and Insurance
Educational & Government Institutions
Wallet loads, Rent, and Fuel purchases

Transfer Partner Options: Unlock Maximum Value

What sets the Axis Bank rewards program apart is the extensive partner network. You can transfer up to 500,000 EDGE Miles annually to various airline and hotel partners at a 1:1 ratio.

Group B Partners (Maximum 400,000 Points/year)

Air France-KLM (Flying Blue)
Air India (Flying Returns)
Air Asia
ITC Hotels
IHG Hotels & Resorts
Qantas
SpiceJet

Transform your everyday spending into dream vacations. Apply for your Axis Bank Horizon Credit Card and start building your travel rewards portfolio.

Airport Lounge Access: Your Premium Travel Experience

One of the most valuable benefits of the Axis Bank Horizon Credit Card is complimentary airport lounge access - a feature that makes this one of the best lounge access credit cards in India.

Domestic Airport Lounge Benefits

The card offers different lounge visit allowances based on your card variant:

Mastercard World Variant: 6 visits per calendar quarter (24 visits annually)
Visa Signature Variant: 8 visits per calendar quarter (32 visits annually)

Important: A nominal access fee is charged (₹2 for Visa, ₹25 for Mastercard) but is later refunded to your card.

International Airport Lounge Access

Enjoy global lounge access with:

2 visits per quarter at international airports
8 total visits annually worldwide
USD 1 transaction fee (refunded later)

This extensive airport lounge access network makes the Horizon card highly competitive among India's best travel cards.

Additional Benefits

Fuel Surcharge Waiver

Save money on fuel purchases with:

1% fuel surcharge waiver on transactions between ₹400-₹5,000
Maximum monthly benefit: ₹400
Available at all fuel stations across India

Dining Benefits

Get 15% discount when you pay via Eazydiner platform (Max discount ₹500)

Ready to experience premium travel benefits? Apply for Axis Bank credit card now and enjoy complimentary lounge access from day one.

How to Apply for Axis Bank Horizon Credit Card

Applying for the Axis Bank Horizon Credit Card is straightforward:

Eligibility Check: Ensure you meet income and credit score requirements
Document Preparation: Keep your KYC documents, income proofs ready
Online Application: Submit your application through authorized channels
Verification Process: Complete bank verification and documentation
Card Delivery: Receive your premium travel credit card within 7-10 days

The application process typically takes 5-7 working days for approval, making it one of the faster processes for premium credit cards in India.

Ready to experience premium travel benefits? Apply for Axis Bank credit card now and enjoy complimentary lounge access from day one.

Conclusion: Your Gateway to Rewarding Travel

The Axis Bank Horizon Credit Card stands out as one of the best travel credit cards in India, offering substantial value through its comprehensive rewards program, extensive partner network, and premium lounge access benefits. While the annual fee might seem steep, the welcome bonus alone nearly covers the first year's cost, and the ongoing benefits provide exceptional value for travel enthusiasts.

With 5X rewards on travel bookings, access to premium airport lounges worldwide, and the flexibility to transfer points to leading airline and hotel partners, this card transforms your regular spending into extraordinary travel experiences.

Ready to elevate your travel game? Apply for the Axis Bank Horizon Credit Card today and start your journey toward premium travel rewards.

Frequently Asked Questions (FAQ)

1. What is the annual fee for Axis Bank Horizon Credit Card?

The Axis Bank Horizon Credit Card has a joining fee and annual renewal fee of ₹3,000 + GST (approximately ₹3,540). There is no spend-based fee waiver available.

2. How many airport lounge visits do I get with this card?

The lounge visits depend on your card variant:

Mastercard World: 6 domestic visits per quarter (24 annually) + 2 international visits per quarter
Visa Signature: 8 domestic visits per quarter (32 annually) + 2 international visits per quarter

3. What are EDGE Miles and how do I use them?

EDGE Miles are Axis Bank's reward points. You can:

Transfer to airline/hotel partners at 1:1 ratio
Book travel through Axis Bank Travel Edge platform
Minimum redemption: 500 EDGE Miles

4. How do I earn maximum rewards with this card?

Earn 5 EDGE Miles per ₹100 on:

Axis Bank Travel Edge bookings/ direct airline websites
Earn 2 EDGE Miles per ₹100 on all other eligible spending.

5. Which is better - Mastercard or Visa variant?

The Visa Signature variant offers more domestic lounge visits (32 vs 24 annually) compared to Mastercard World, making it slightly more valuable for frequent domestic travelers.

6. Can I transfer EDGE Miles to Accor hotels?

Yes, you can transfer EDGE Miles to Accor Live Limitless at 1:1 ratio. This is particularly valuable as 1 EDGE Mile converts to 1 Accor point, worth approximately ₹2.

7. What purchases don't earn EDGE Miles?

Excluded categories include: Transportation & Tolls, Utilities, Insurance, Educational Institutions, Government transactions, Wallet loads, Rent, and Fuel purchases.

8. How long does it take to get the Axis Bank Horizon Credit Card?

The application process typically takes 5-7 working days for approval, with card delivery within 7-10 days of approval.

9. Is there a foreign transaction fee?

The document doesn't specify foreign transaction fees. It's recommended to check with Axis Bank directly for current foreign transaction charges.

10. Can add-on cardholders access airport lounges?

Airport lounge access is available only to the primary cardholder. Add-on cardholders cannot use the complimentary lounge access benefit.

Affiliate Disclosure

Important Disclosure: This review contains affiliate links. When you apply for the Axis Bank Horizon Credit Card through our links, we may receive a commission at no extra cost to you. This helps us continue providing detailed, unbiased credit card reviews and comparisons.

Our recommendations are based on thorough research and genuine assessment of the card's features and benefits. The commission does not influence our editorial content or recommendations.

Terms & Conditions Notice

Disclaimer: Credit card benefits, fees, and terms are subject to change by Axis Bank. The information provided in this review is based on current available data and may not reflect the most recent updates.

Before applying for any credit card:

Verify current terms and conditions on the official Axis Bank website
Review the detailed Terms & Conditions document
Assess your financial needs and repayment capacity
Apply only if the card aligns with your spending patterns and financial goals

Always apply for credit cards responsibly and ensure you can manage repayments effectively to maintain a healthy credit score.