About Axis Bank Horizon Credit Card
Axis Bank has launched the Horizon Credit Card as a replacement for Citi credit cards like Citi PremierMiles. With a joining and annual fee of ₹3,000 + GST, this card is designed for people who love to travel. It allows users to earn 2 to 5 EDGE Miles for every ₹100 spent. You also get useful benefits like free airport lounge access, dining discounts on EazyDiner, and fuel surcharge waiver. You can also explore more credit cards to compare similar options.
The Axis Bank Horizon Credit Card is a travel-focused card that is not limited to any one airline. It offers EDGE Miles that can be redeemed at a 1:1 ratio with multiple travel partners, making it flexible and valuable. Existing Citi PremierMiles users have been moved to this card, and while the earning rate is slightly lower, the better redemption value and added lounge benefits make up for it. You can also check detailed options under Axis Bank credit cards or explore popular travel credit cards.
Axis Bank Horizon Credit Card offers EDGE Miles with up to 5% value-back on travel bookings made via the Travel EDGE platform and airline websites, along with around 2% value-back on other spends. The card comes with a 1:1 EDGE Miles redemption ratio across multiple travel partners, making it a flexible option for travellers. It also provides a high number of complimentary domestic lounge visits without any minimum spend condition. With added benefits like renewal bonus EDGE Miles and strong travel rewards, this card is a good choice for frequent travellers.
Axis Bank Horizon Credit Card Rewards Program
EDGE Miles Earning:
- Earn 5 EDGE Miles per ₹100 spent on the Travel EDGE portal and direct airline bookings
- Earn 2 EDGE Miles per ₹100 on all other spends
EDGE Miles Redemption:
- Redeem miles for flight and hotel bookings via Travel EDGE
- Convert EDGE Miles into partner points at a 1:1 ratio through the Miles Transfer program
Partner Categories & Limits:
- Total yearly redemption limit: 5,00,000 miles
- Group A: Up to 1,00,000 miles
- Group B: Up to 4,00,000 miles
Group A Partners:
Accor Hotels (ALL), Air Canada (Aeroplan), Ethiopian Airlines, Etihad Guest, Japan Airlines, Marriott Bonvoy, Qatar Airways, Singapore Airlines (KrisFlyer), Turkish Airlines, Thai Airways, United Airlines, Wyndham Hotels
Group B Partners:
Flying Blue (Air France-KLM), Air India, AirAsia, ITC, IHG Hotels & Resorts, Qantas Airways, SpiceJet, Vistara
Also check: Best International Travel Credit Cards
Other Features and Benefits
- Welcome Bonus: Get 5,000 EDGE Miles on spending ₹1,000 within 30 days of card issuance
- Renewal Benefit: Earn 1,500 EDGE Miles every year on card renewal
- Lounge Access: Get complimentary airport lounge access with up to 32 visits per year. This includes up to 8 international lounge visits (2 per quarter). For domestic lounges, Visa Signature cardholders can enjoy up to 32 visits per year (8 per quarter), while Mastercard World cardholders can get up to 24 visits per year (6 per quarter).
- Dining Discount: Get 15% off (up to ₹500) via EazyDiner on a minimum bill of ₹2,500, once every month
- Fuel Benefit: 1% fuel surcharge waiver up to ₹400 per month on transactions between ₹400 and ₹5,000
- Security Cover: Get lost card liability insurance cover of up to ₹10 lakh
Fees and Charges
| Particulars | Amount |
|---|
| Joining/Annual Fee | Rs. 3,000 + Taxes |
| 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 |
|
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Document Required For Axis Bank Horizon Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Axis Bank Horizon Credit Card Highlights
What do we like about this card?
- Get 5,000 EDGE Miles as a welcome bonus and 1,500 EDGE Miles on yearly renewal
- Earn 5 EDGE Miles per ₹100 on Travel EDGE and airline bookings
- Earn 2 EDGE Miles per ₹100 on all other spends
- 1 EDGE Mile equals 1 partner point for easy redemption
- Enjoy up to 8 international lounge visits per year (2 per quarter)
- Get up to 32 domestic lounge visits (Visa) or up to 24 (Mastercard) every year
Things to Know Before you apply
Get this card if:
- You prefer using your rewards mainly for travel bookings
- You want a credit card with a high number of complimentary airport lounge visits
- You are a frequent traveller looking for a flexible, airline-agnostic credit card
- You do not have a fixed preference for any specific airline or hotel brand
Pros
- Welcome bonus is higher than the joining fee
- High number of complimentary airport lounge visits
- 1:1 reward redemption ratio offers good value
- Extra rewards on travel bookings, including direct airline spends
- Decent base reward rate on regular spends
Cons
- No option to waive the annual fee
- No milestone-based rewards or benefits
- No low or discounted forex markup fee
- Some everyday spends are not eligible for rewards
- Lower redemption limit for Group A travel partners
Axis Bank Credit Card Contact Details
- Contact Address: Axis Bank Limited, Corporate Office, Axis House, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai – 400 025, Maharashtra, India.
Helpline Numbers: 1860-419-5555, 1860-500-5555 (available from all major cities in India)
Simply SMS Service: Send BAL <space> last 4 digits of your credit card to 56161600 or 8691000002 to get your credit card balance via SMS.
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Frequently Asked Questions
With a 1:1 redemption ratio, the 5,000 EDGE Miles welcome bonus gives you a value of 5,000 air miles, which you can use for flight or hotel bookings through travel partners.
