Axis Bank

Horizon

Axis Bank Horizon

For premium travelers: 5 EDGE Miles per ₹100 on travel (₹3,000/year), 24 annual lounge visits (fewer than Visa), reduced transfer-partner value since April 2026.

travelpremium

Also available on Visa

Axis Bank Horizon is issued on more than one network — each has different rewards and lounge access.

Axis Bank
VISA
Horizon
Visa variant
Fees, EDGE Miles reward rate, welcome bonus, and international lounge access are identical to the Mastercard World variant. This Visa Signature variant gets 8 domestic lounge visits per quarter (32/year); the Mastercard World variant gets only 6 per quarter (24/year).

Last reviewed 21 July 2026

Fees

Joining fee

₹3,000

Annual fee

₹3,000

Waiver: Not a spend-based waiver: the ₹3,000 annual fee is waived for Axis Bank Burgundy Savings/Salary Account holders, based on the banking relationship rather than card spend. Cardholders without a Burgundy account have no published spend threshold that waives the fee.

Eligibility

Min. CIBIL Score: 750+

Age: 18–70 yrs

Employment: salaried, self employed

Rewards

travel5x miles

all other2x miles

Welcome benefits

• 5,000 EDGE Miles on the first transaction of ₹1,000 or more within 30 days of card issuance

Perks

✓Domestic lounge access: 24/yr6 complimentary visits per calendar quarter on the Mastercard World variant (versus 8/quarter, 32/year on the Visa Signature variant of this card). A nominal ₹25 lounge access fee is charged at the lounge and later refunded to the card.
✓International lounge access: 8/yr2 complimentary visits per calendar quarter via Priority Pass, same as the Visa Signature variant; typically requires a minimum spend (around USD 1 equivalent) on the card in the preceding quarter to activate access
✓Fuel surcharge waiver: 1%Applies to fuel transactions between ₹400 and ₹5,000
✓Forex markup: 3.5%
✓Lost card liability cover up to ₹10 lakh (underwritten by The New India Assurance Co. Ltd.)
✓1,500 EDGE Miles credited automatically on the card anniversary, within 30 days of renewal
✓EazyDiner dining discount on partner restaurants; aggregators disagree on the exact figure (cardmaven/paisabazaar report 25% off capped at ₹800/month, cardinsider reports 15% off capped at ₹500) — confirm the live figure at checkout, as it is not network-specific and Axis's own page does not itemize it separately for this variant
✓EDGE Miles not earned on fuel, rent, utility bills, insurance premiums, government/tax payments, education fees, wallet loads or tolls
✓EDGE Miles transfer to airline/hotel loyalty partners, subject to an annual transfer cap of 5,00,000 EDGE Miles
✓April 2026 partner devaluation: Axis removed Accor Live Limitless, Marriott Bonvoy and Qatar Airways Privilege Club as transfer partners with immediate effect (announced 2 April 2026), applying program-wide across both Horizon network variants since it is an EDGE Miles change rather than a network-specific one. British Airways Executive Club, Finnair Plus and Vietnam Airlines Lotusmiles were added in their place, but convert at a reduced 2:1 ratio (2 EDGE Miles = 1 partner mile) on Horizon, versus the 1:1 ratio still available on remaining partners such as Singapore Airlines KrisFlyer, Etihad Guest, AirAsia and SpiceJet
✓Annual fee is waived for Axis Bank Burgundy Savings/Salary Account holders; there is no spend-based waiver for standard cardholders

Common questions

What is the annual fee on the Axis Bank Horizon?: The joining fee is ₹3,000. The annual fee is ₹3,000. Not a spend-based waiver: the ₹3,000 annual fee is waived for Axis Bank Burgundy Savings/Salary Account holders, based on the banking relationship rather than card spend. Cardholders without a Burgundy account have no published spend threshold that waives the fee.
What are the reward rates on the Axis Bank Horizon?: Axis Bank Horizon earns 5x miles on travel, 2x miles on all other spends.
Does the Axis Bank Horizon offer airport lounge access?: Yes: 24 domestic lounge visits per year (6 complimentary visits per calendar quarter on the Mastercard World variant (versus 8/quarter, 32/year on the Visa Signature variant of this card). A nominal ₹25 lounge access fee is charged at the lounge and later refunded to the card.) and 8 international lounge visits per year (2 complimentary visits per calendar quarter via Priority Pass, same as the Visa Signature variant; typically requires a minimum spend (around USD 1 equivalent) on the card in the preceding quarter to activate access).
Who is eligible for the Axis Bank Horizon?: Applicants typically need a CIBIL Score of 750+, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by Axis Bank and can vary by application.
Is the Axis Bank Horizon available on other networks?: Yes, it's also issued on Visa. Fees, EDGE Miles reward rate, welcome bonus, and international lounge access are identical to the Mastercard World variant. This Visa Signature variant gets 8 domestic lounge visits per quarter (32/year); the Mastercard World variant gets only 6 per quarter (24/year).

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

TravelBest rate

₹

5x miles

Everything else

₹

2x miles

Estimated annual value—

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Annual fee

₹10,000

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2x points

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Annual fee

₹5,000

Up to

2x points

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Annual fee

₹7,999

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5x points

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Fees

Joining fee

₹3,000

Annual fee

₹3,000

Perks

✓Domestic lounge access: 24/yr6 complimentary visits per calendar quarter on the Mastercard World variant (versus 8/quarter, 32/year on the Visa Signature variant of this card). A nominal ₹25 lounge access fee is charged at the lounge and later refunded to the card.

✓International lounge access: 8/yr2 complimentary visits per calendar quarter via Priority Pass, same as the Visa Signature variant; typically requires a minimum spend (around USD 1 equivalent) on the card in the preceding quarter to activate access

✓Fuel surcharge waiver: 1%Applies to fuel transactions between ₹400 and ₹5,000

✓Forex markup: 3.5%

✓Lost card liability cover up to ₹10 lakh (underwritten by The New India Assurance Co. Ltd.)

✓1,500 EDGE Miles credited automatically on the card anniversary, within 30 days of renewal

✓EazyDiner dining discount on partner restaurants; aggregators disagree on the exact figure (cardmaven/paisabazaar report 25% off capped at ₹800/month, cardinsider reports 15% off capped at ₹500) — confirm the live figure at checkout, as it is not network-specific and Axis's own page does not itemize it separately for this variant

✓EDGE Miles not earned on fuel, rent, utility bills, insurance premiums, government/tax payments, education fees, wallet loads or tolls

✓EDGE Miles transfer to airline/hotel loyalty partners, subject to an annual transfer cap of 5,00,000 EDGE Miles

✓April 2026 partner devaluation: Axis removed Accor Live Limitless, Marriott Bonvoy and Qatar Airways Privilege Club as transfer partners with immediate effect (announced 2 April 2026), applying program-wide across both Horizon network variants since it is an EDGE Miles change rather than a network-specific one. British Airways Executive Club, Finnair Plus and Vietnam Airlines Lotusmiles were added in their place, but convert at a reduced 2:1 ratio (2 EDGE Miles = 1 partner mile) on Horizon, versus the 1:1 ratio still available on remaining partners such as Singapore Airlines KrisFlyer, Etihad Guest, AirAsia and SpiceJet

✓Annual fee is waived for Axis Bank Burgundy Savings/Salary Account holders; there is no spend-based waiver for standard cardholders

Common questions

What is the annual fee on the Axis Bank Horizon?

The joining fee is ₹3,000. The annual fee is ₹3,000. Not a spend-based waiver: the ₹3,000 annual fee is waived for Axis Bank Burgundy Savings/Salary Account holders, based on the banking relationship rather than card spend. Cardholders without a Burgundy account have no published spend threshold that waives the fee.

What are the reward rates on the Axis Bank Horizon?

Axis Bank Horizon earns 5x miles on travel, 2x miles on all other spends.

Does the Axis Bank Horizon offer airport lounge access?

Yes: 24 domestic lounge visits per year (6 complimentary visits per calendar quarter on the Mastercard World variant (versus 8/quarter, 32/year on the Visa Signature variant of this card). A nominal ₹25 lounge access fee is charged at the lounge and later refunded to the card.) and 8 international lounge visits per year (2 complimentary visits per calendar quarter via Priority Pass, same as the Visa Signature variant; typically requires a minimum spend (around USD 1 equivalent) on the card in the preceding quarter to activate access).

Who is eligible for the Axis Bank Horizon?

Applicants typically need a CIBIL Score of 750+, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by Axis Bank and can vary by application.

Is the Axis Bank Horizon available on other networks?

Yes, it's also issued on Visa. Fees, EDGE Miles reward rate, welcome bonus, and international lounge access are identical to the Mastercard World variant. This Visa Signature variant gets 8 domestic lounge visits per quarter (32/year); the Mastercard World variant gets only 6 per quarter (24/year).

Axis Bank Horizon

Also available on Visa

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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Axis Bank Horizon

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Common questions

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