INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official axisbank.com (Axis Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️Axis Bank Ltd.Network: Visa InfiniteTravel & Aviation CardsLast Verified: 2026-09-28

Axis Bank Horizon Credit Card

एक्सिस बैंक होराइजन क्रेडिट कार्ड

Global travel credit card offering low 1.99% forex markup, 8 domestic & 4 international lounge visits, and 1:1 air miles transfer.

Annual Fee₹3,000 + GST (Renewal: ₹3,000 + GST)

Reward Rate5 EDGE Miles per ₹100 spent on airline ticket bookings. 2 EDGE Miles per ₹100 on other retail transactions.

Airport Lounge8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). 4 complimentary international airport lounge visits per year via Priority Pass.

Forex MarkupLow 1.99% + GST markup on foreign currency transactions.

What Is This Card

Axis Bank Horizon Credit Card is a mid-premium international travel credit card tailored for frequent overseas flyers and cross-border shoppers. It combines a low 1.99% forex markup with 8 domestic and 4 international lounge accesses and 1:1 air miles redemption.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹3,000 + GST (Renewal: ₹3,000 + GST)

Fee Waiver: Spend ₹5,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹3,000 waived.

🎁Welcome Benefit

5,000 EDGE Miles credited upon completing first transaction within 30 days of card issuance.

⚡Reward Points Structure

5 EDGE Miles per ₹100 spent on airline ticket bookings. 2 EDGE Miles per ₹100 on other retail transactions.

Redemption Value: 1 EDGE Mile = 1 Air Mile on partner airlines (Singapore Airlines, Qatar Airways, British Airways) or ₹1.00 on Axis Travel EDGE portal.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). 4 complimentary international airport lounge visits per year via Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to $15,000.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.

🎯Milestone Spends & Grace Period

Milestones: Low 1.99% forex markup for international spends. Annual fee waiver on ₹5 Lakhs spend.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Air miles 5X accelerator applies to direct airline bookings only. Spend waiver requires ₹5 Lakhs annual spend. International lounge visits limited to 4 per year.

Forex Markup FeeLow 1.99% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).

Reward Points ExpiryEDGE Miles expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 18 to 70 with monthly salary exceeding ₹60,000. Self-employed individuals aged 18 to 70 with annual ITR exceeding ₹7,20,000.

Age Requirement18 to 70 Years

Minimum Income₹60,000/month (Salaried) / ₹7,20,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 740+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Check card eligibility on axisbank.com/horizon or via Axis Mobile app.

2Enter PAN and mobile number for soft eligibility evaluation.

3Select Axis Horizon Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any Axis Bank branch with self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (axisbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Axis Bank Horizon Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹1,200 for outstanding above ₹10,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Axis Bank Horizon Credit Card into EMI?

Yes, Axis Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Axis Bank Horizon Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into Axis Bank Ltd.'s official mobile banking application or web portal. 1 EDGE Mile = 1 Air Mile on partner airlines (Singapore Airlines, Qatar Airways, British Airways) or ₹1.00 on Axis Travel EDGE portal. Please note: EDGE Miles expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on Axis Bank Horizon Credit Card and how does it work?

The interest-free period on Axis Bank Horizon Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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