एक्सिस बैंक होराइजन क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: Axis Bank Ltd.
Global travel credit card offering low 1.99% forex markup, 8 domestic & 4 international lounge visits, and 1:1 air miles transfer.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
5,000 EDGE Miles credited upon completing first transaction within 30 days of card issuance.
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.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹4,000.
Low 1.99% forex markup for international spends. Annual fee waiver on ₹5 Lakhs spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹60,000/month (Salaried) / ₹7,20,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Check card eligibility on axisbank.com/horizon or via Axis Mobile app. Step 2: Enter PAN and mobile number for soft eligibility evaluation. Step 3: Select Axis Horizon Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.