Axis Bank Horizon Credit Card
Joining Fee: ₹3,000 + GST
Renewal Fee: ₹3,000 + GST
Reward Type: Reward Points
Joining and Renewal Benefits
Welcome Benefit: 5,000 EDGE Miles valued at ₹5,000 for spending ₹1,000 or more within the first 30 days. No MCC restrictions apply.
Renewal Benefit: 1,500 EDGE Miles credited on the card anniversary within 30 days.
EDGE Miles Earning Rates
Axis Bank Travel Edge & Airline Spends: 5 EDGE Miles per ₹100 spent.
Other Spends: 2 EDGE Miles per ₹100 spent.
Non-Earning Categories: Transportation & Tolls, Utilities, Insurance, Educational Institutions, Government Institutions, Wallet, Rent, and Fuel.
EDGE Miles Redemption
Miles Transfer: 1 EDGE Mile = 1 Partner Point; minimum 500 EDGE Miles required.
Travel Edge Platform: Redeem EDGE Miles for hotels, flights, and experiences; minimum 500 EDGE Miles required.
Annual Transfer Limit: Up to 500,000 EDGE Miles to partner points.
Transfer Ratios for Partner Points
Group A (Max 100,000 Miles): Accor Hotels, Air Canada, Ethiopian Airlines, Japan Airlines, Marriott International, Qatar Airways, Singapore Airlines, Turkish Airlines, Thai Airways, United Airlines, Wyndham Hotels.
Group B (Max 400,000 Miles): Air France-KLM, Air India, Air Asia, ITC, IHG® Hotels & Resorts, Qantas Airways, SpiceJet, Vistara.
Transfer points at 1:1
Airport Lounge Access
Domestic Lounges
Horizon Mastercard World: 6 visits per quarter (24 visits/year). ₹2 access fee, refunded later.
Horizon Visa Signature: 8 visits per quarter (32 visits/year). ₹2 access fee, refunded later.
International Lounges: 2 visits per quarter (8 visits/year). USD 1 transaction fee, refunded later.
Fuel Surcharge Waiver
Fuel Transactions: 1% waiver on transactions between ₹400 to ₹5,000. Maximum waiver of ₹400 per statement cycle. GST on the surcharge is non-refundable.
Summary
The Axis Bank Travel Credit Card offers a welcome benefit of 5,000 EDGE Miles (₹5,000 value) for spending ₹1,000 or more in the first 30 days, with no MCC restrictions. Renewal benefits include 1,500 EDGE Miles on the card anniversary. Earn 5 EDGE Miles per ₹100 on Axis Bank Travel Edge & airline spends, and 2 EDGE Miles per ₹100 on other spends, excluding categories like transportation and utilities. Redeem EDGE Miles for hotels, flights, and experiences, with a minimum redemption of 500 Miles and a transfer limit of 500,000 Miles annually. Enjoy up to 24 domestic lounge visits (Horizon Mastercard World) or 32 visits (Horizon Visa Signature) and 8 international lounge visits per year. Fuel transactions receive a 1% waiver on spends between ₹400 to ₹5,000, capped at ₹400 per statement cycle.