Travel smarter with accelerated miles and premium lounge access
5,000 EDGE Miles on first transaction
Up to 32 domestic + 8 international visits annuall
5% on travel bookings & airlines
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| Benefit | Details |
|---|---|
| Welcome & Renewal Benefits | Earn 5,000 EDGE Miles on spending ₹1,000 or more within 30 days of card issuance. Receive 1,500 EDGE Miles annually on your card anniversary. |
| Accelerated Travel Rewards | Earn 5 EDGE Miles per ₹100 spent on Axis Bank Travel Edge portal and direct airline bookings, giving you a strong 5% reward rate on travel. |
| Flexible Miles Redemption | Transfer EDGE Miles at 1:1 ratio to 15+ airline and hotel partners including Singapore Airlines, Qatar Airways, Marriott, ITC Hotels, and more. |
| Premium Lounge Access | Enjoy up to 32 domestic lounge visits per year (Visa variant) or 24 visits (Mastercard variant), plus 8 international lounge visits annually. |
| Dining & Fuel Benefits | Save with 25% off on EazyDiner (up to ₹800 monthly) and 1% fuel surcharge waiver on transactions between ₹400-₹5,000 (capped at ₹400 per month). |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Travel Rewards / Airline-Agnostic |
| Type of Card | Travel Credit Card |
| Variants | Visa Signature / Mastercard World |
| Free or Paid | ₹3,000 + GST Annually (No waiver available) |
The Axis Bank Horizon Credit Card is the ideal choice for frequent travellers seeking an airline-agnostic travel credit card that delivers exceptional value without the premium price tag. As the successor to the popular Citi PremierMiles card, Horizon offers a perfect balance of accelerated travel rewards, generous lounge access, and flexible redemption options across multiple airline and hotel partners. Whether you're booking flights directly with airlines, planning hotel stays, or managing everyday expenses, this card rewards you with EDGE Miles that can be seamlessly converted to your preferred loyalty programmes.
Airline-Agnostic Travel Rewards: Unlike co-branded cards tied to specific airlines, the Horizon card allows you to earn EDGE Miles and transfer them at a 1:1 ratio to over 15 airline and hotel partners, giving you complete freedom in choosing your travel brands.
Dual Variant Options: Choose between Visa Signature (offering 8 domestic lounge visits per quarter) or Mastercard World (offering 6 domestic lounge visits per quarter), both providing identical reward earning rates and benefits.
Premium Welcome Benefit: New cardholders receive 5,000 EDGE Miles (valued at ₹5,000 when converted to partner points) upon making their first transaction of ₹1,000 or more within 30 days of card issuance—with no MCC (Merchant Category Code) restrictions.
Annual Renewal Rewards: Loyalty pays off with 1,500 EDGE Miles credited within 30 days of your card anniversary each year, worth ₹1,500 in redemption value.
Accelerated Travel Earnings: Earn an impressive 5 EDGE Miles per ₹100 spent on the Axis Bank Travel Edge portal and direct airline purchases (made at airline websites, counters, or helpline numbers). All other eligible spends earn 2 EDGE Miles per ₹100.
Extensive Lounge Network: Access domestic and international airport lounges without paying full charges. The Visa variant offers up to 32 domestic visits annually (8 per quarter), whilst the Mastercard variant provides 24 visits annually (6 per quarter). Both variants include 8 international lounge visits per year (2 per quarter).
Flexible Miles Transfer Programme: Convert your EDGE Miles to partner loyalty points across a diverse range of airlines and hotels. Annual transfer limits allow up to 5,00,000 EDGE Miles total, with specific caps of 1,00,000 Miles for Group A partners and 4,00,000 Miles for Group B partners.
Travel Edge Platform: Redeem EDGE Miles directly on the Axis Bank Travel Edge portal for hotel bookings, flight tickets, and travel experiences at a redemption value of 1 EDGE Mile = ₹1.
Wednesday Special Offers: Beat the mid-week blues with exclusive savings—enjoy up to 15% instant discount on flights and hotels via MakeMyTrip and Goibibo, plus 10% off on Swiggy, Amazon Fresh, and Tira purchases.
Competitive Annual Fee: At just ₹3,000 + GST annually (₹3,540 total), the Horizon card positions itself as an affordable travel credit card option compared to premium alternatives whilst maintaining strong benefits.
The Horizon credit card delivers substantial value for travellers who prefer flexibility over airline loyalty, with its 1:1 transfer ratio ensuring straightforward redemptions and the generous lounge access making every journey more comfortable.
5 EDGE Miles on Travel Edge & Direct Airline Spends
Earn 5 EDGE Miles for every ₹100 spent on:
Axis Bank Travel Edge portal bookings (flights, hotels, experiences)
Direct airline purchases made at airline-owned websites
Airline counter bookings
Purchases through airline helpline numbers
This translates to an effective 5% reward rate on all your travel spending.
2 EDGE Miles on All Other Eligible Spends
Earn 2 EDGE Miles per ₹100 spent on all other retail purchases, providing a steady 2% reward rate on:
Shopping and retail transactions
Dining and restaurants
Entertainment and leisure
Grocery and supermarket purchases
Online marketplace purchases
Excluded Categories for EDGE Miles
The following transaction categories do not earn EDGE Miles:
Transportation and tolls
Utility bill payments
Insurance premiums
Educational institution fees
Government-related payments
Wallet loads and reloads
Rent payments
Fuel purchases
Travel Edge Platform Redemption
Redeem EDGE Miles directly on the Axis Bank Travel Edge portal at a value of 1 EDGE Mile = ₹1.
Book flights on various airlines including budget carriers
Reserve hotel rooms across India and internationally
Purchase travel experiences and packages
Minimum redemption: 500 EDGE Miles
Miles Transfer to Airline & Hotel Partners
Transfer your EDGE Miles at a 1:1 conversion ratio to multiple loyalty programmes:
Group A Partners (Maximum 1,00,000 Miles annually):
Singapore Airlines KrisFlyer
Qatar Airways Privilege Club
Turkish Airlines Miles&Smiles
Japan Airlines Mileage Bank
Air Canada Aeroplan
United Airlines MileagePlus
Thai Airways Royal Orchid Plus
Ethiopian Airlines ShebaMiles
Marriott Bonvoy (2 EDGE Miles = 1 Bonvoy Point)
Accor Live Limitless
Wyndham Rewards
Group B Partners (Maximum 4,00,000 Miles annually):
Air India Flying Returns
Vistara Club Vistara
SpiceJet SpiceClub
AirAsia BIG
Air France-KLM Flying Blue
Qantas Frequent Flyer
ITC Hotels ITC Culinaire
IHG One Rewards
Transfer Requirements:
Minimum transfer: 500 EDGE Miles
Maximum annual transfer: 5,00,000 EDGE Miles total per customer ID
Transfers processed through Axis Bank Travel Edge portal or mobile app
OTP verification required for each transfer
Transfer caps apply at customer ID level, not card level
EDGE Miles Validity
EDGE Miles earned on the Horizon credit card remain valid for ongoing usage as long as the card remains active and in good standing. There is no fixed expiry period for EDGE Miles.
5,000 EDGE Miles Welcome Benefit: Receive 5,000 EDGE Miles credited to your account upon making your first transaction of ₹1,000 or more within 30 days of card issuance.
No MCC restrictions apply to the qualifying transaction
Miles credited within the billing cycle after meeting requirements
Valued at ₹5,000 when transferred to partner loyalty programmes or redeemed on Travel Edge
1,500 EDGE Miles Annual Bonus: Earn 1,500 EDGE Miles worth ₹1,500 on completion of each anniversary year, credited within 30 days from the credit card anniversary date.
Domestic Airport Lounges
Visa Signature Variant:
8 complimentary visits per calendar quarter
Total of 32 visits per year
₹2 access fee charged and refunded later
Mastercard World Variant:
6 complimentary visits per calendar quarter
Total of 24 visits per year
₹2 access fee charged and refunded later
Access Details:
Available at major airports across India
Primary cardholder only (not applicable for add-on cardholders)
Present your Horizon credit card at lounge reception
Complimentary refreshments, Wi-Fi, and comfortable seating
International Airport Lounges
Both Variants:
2 complimentary visits per calendar quarter
Total of 8 visits per year globally
USD 1 transaction charged and refunded later
Access through international lounge networks
Available at airports worldwide
1% Fuel Savings: Enjoy 1% fuel surcharge waiver on all fuel transactions between ₹400 to ₹5,000 at petrol pumps across India.
Maximum waiver: ₹400 per statement month
GST charged on fuel surcharge is non-refundable
Applicable at all fuel stations accepting credit cards
Automatic waiver applied to your statement
EazyDiner Discount: Enjoy 25% instant discount on dining via EazyDiner with your Horizon Credit Card.
Minimum order value: ₹2,500
Maximum discount: ₹800 per calendar month
Valid at participating restaurants across India
Access premium dining experiences at reduced costs
Beat the Mid-Week Blues: Exclusive weekly offers every Wednesday including:
Up to 15% instant savings on flights and hotels via MakeMyTrip and Goibibo
10% off on Swiggy food orders
10% off on Amazon Fresh grocery shopping
10% off on Tira beauty purchases
Lost Card Liability Cover: Protection up to ₹10 lakh against unauthorised transactions in case of lost or stolen card, subject to terms and conditions.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹3,000 + GST (~₹3,540) | One-time charge when the card is issued. |
| Annual Fee | ₹3,000 + GST (~₹3,540) | Charged every year. No spend-based waiver available. |
| Add-On Card Fee | Nil | Complimentary add-on cards for family members. |
| Interest Rate (APR) | 3.75% per month (45% annually) | Applicable on outstanding balances from 20th December 2024. |
| Foreign Currency Markup | 3.5% + GST (~4.13%) | Applicable on all international transactions. |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) | Applicable on cash withdrawals. |
| Cash Advance Limit | Up to 40% of card limit | Maximum cash withdrawal limit. |
| Overlimit Penalty | 2.5% of overlimit amount | Charged when spending exceeds credit limit. |
| Payment Return Charges | 2% of payment amount (minimum ₹500) | Charged when payment is returned/dishonoured. Revised from 20th December 2024. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 18 and 70 years |
Citizenship | Must be a Resident of India |
Income | Stable source of income (salaried or self-employed). Minimum income requirements determined by Axis Bank based on profile. |
Credit Score | Good CIBIL score (ideally 750-900) recommended |
Existing Relationship | Not mandatory, but existing Axis Bank customers may receive preferential consideration |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving Licence, Voter ID Card |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Voter ID Card, Recent Utility Bill (not older than 3 months) |
| Income Proof | Latest salary slips (last 3 months) / Bank statements (last 6 months) / Form 16 / ITR copy with computation |
| PAN Card | Mandatory for credit card issuance as per RBI guidelines |
| Photographs | Recent passport-size photographs |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Details: Enter your personal information, including name, date of birth, contact details, employment information, and financial details in the application form.
Upload Required Documents: Upload scanned copies of your PAN Card, Aadhaar/Address Proof, Income Proof, and a recent photograph.
Submit Your Application: Carefully review all the details you've entered for accuracy and click the Submit button.
Approval & Card Delivery: Once your application is approved after verification, your Axis Bank Horizon Credit Card will be dispatched to your registered address within 7-10 working days.
| Usage Tips | Details |
|---|---|
Maximise Travel Rewards | Book all your flights directly through airline websites, counters, or helplines to earn 5 EDGE Miles per ₹100. Similarly, use the Axis Bank Travel Edge portal for hotel bookings to maximise your miles. |
Strategic Spending | Focus high-value transactions on travel bookings to maximise the 5% reward rate. Use the card for other everyday expenses to earn the base 2 EDGE Miles per ₹100. |
Transfer Miles Wisely | Plan your miles transfers strategically. Transfer to airline partners when you have specific redemption goals in mind. Consider pooling miles from multiple Axis Bank cards if you hold more than one. |
Monitor Transfer Caps | Keep track of your annual transfer limits—1,00,000 Miles for Group A and 4,00,000 Miles for Group B. Plan redemptions accordingly to avoid hitting caps mid-year. |
Utilise Lounge Access | Make the most of your complimentary lounge visits. With 8 visits per quarter (Visa) or 6 visits per quarter (Mastercard) domestically, plus 2 international visits per quarter, you can enhance every travel experience. |
Wednesday Offers | Schedule your travel bookings, food orders, and shopping for Wednesdays to take advantage of exclusive discounts on MakeMyTrip, Goibibo, Swiggy, and other partner platforms. |
Fuel Savings | Fill up your vehicle in transactions between ₹400-₹5,000 to maximise the 1% fuel surcharge waiver. Multiple transactions in a month can save you up to ₹400. |
Dining Benefits | Use EazyDiner app for restaurant reservations and payments to avail 25% discount (up to ₹800 monthly). Book premium restaurants and special occasions to maximise savings. |
Track Your EDGE Miles | Regularly monitor your EDGE Miles balance through Axis Mobile app, internet banking, or monthly statements. Plan redemptions when you've accumulated at least 500 Miles (minimum transfer requirement). |
Avoid Excluded Categories | Don't use the card for utility payments, rent, insurance, fuel, or wallet loads as these don't earn EDGE Miles and now attract additional fees from 20th December 2024. |
Pay in Full | Always pay your full statement balance before the due date to avoid interest charges of 3.75% per month (45% annually) and maintain interest-free credit period. |
Set Up AutoPay | Enable standing instructions or auto-debit to ensure timely payments and avoid late payment charges and additional fees. |
Link to Travel Edge | Download the Axis Bank Travel Edge app or access via internet banking to easily track miles, make bookings, and transfer miles to partner programmes. |
The Axis Bank Horizon Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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