Axis Bank Horizon Credit Card
Best for: frequent flyers who book directly with airlines and want generous lounge access with no spend condition.
Why it ranks
- Domestic lounge access is not spend-based
- Welcome and renewal miles offset much of the fee
- EDGE Miles can be transferred to airline and hotel partners
What holds it back
- No spend-based annual fee waiver
- 3.5% forex markup on a travel card
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Axis Bank Horizon Credit Card earns 5 EDGE Miles per ₹100 on airline and Travel EDGE spends and 2 on everything else. It charges ₹3,000 a year and offers domestic and international lounge access without a spend condition.
Axis Bank Horizon Credit Card at a glance
| Issuer | Axis Bank |
| Card network | Visa or Mastercard |
| Annual fee | ₹3,000 + GST joining and annual fee (no spend-based waiver published; nil for a Burgundy Savings Account opened from 1 July 2026) |
| Welcome bonus | 5,000 EDGE Miles on a first transaction of ₹1,000 or more within 30 days of card issuance |
| Rewards rate | 5 EDGE Miles per ₹100 on Axis Bank Travel EDGE and direct airline spends; 2 EDGE Miles per ₹100 on other spends; 1 EDGE Mile valued at ₹1 by Axis |
| Intro APR | None |
| Regular APR | 3.75% a month (55.55% a year, as published) |
| Foreign transaction fee | 3.5% of the transaction value |
| Airport lounge access | 8 domestic visits a quarter (Visa Signature) or 6 (Mastercard World), with no spend condition; 2 international visits a quarter |
| Credit needed | Age 18 to 70, Indian resident; see issuer for income |
| Best for | Frequent flyers who book direct with airlines and want lounges without spend rules |
Key features
- 5 EDGE Miles per ₹100 on Travel EDGE and airline websites or counters
- 2 EDGE Miles per ₹100 on other spends
- 1,500 EDGE Miles on each card anniversary from the second year
- 8 domestic lounge visits a quarter (Visa) or 6 (Mastercard), with no spend condition
- 2 international lounge visits a quarter
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: axis.bank.in · axis.bank.in · axis.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | AAxis BankHorizon₹3,000/yr · IN Axis Bank Horizon Credit CardFrequent flyers who book direct with airlines and want lounges without spend rules |
₹3,000/yr | 5 EDGE Miles per ₹100 on Axis Bank Travel EDGE and direct airline spends; 2 EDGE… | 5,000 EDGE Miles on a first transaction of ₹1,000 or more wi… | 3.5% of the transaction va… | Age 18 to 70, Indian resident; s… | |
| 2 | AAxis BankAtlas₹5,000/yr · IN Axis Bank Atlas Credit CardFrequent travelers who want transferable airline and hotel miles |
₹5,000/yr | 5 EDGE Miles per ₹100 on Travel EDGE, direct airline and direct hotel spends (up… | 2,500 EDGE Miles on the first transaction within 37 days | 3.5% markup on foreign cur… | Good to Excellent | |
| 3 | HHDFC BankHDFC Regalia Gold₹2,500/yr · IN HDFC Regalia Gold Credit CardAspiring premium users who want lounge access and lifestyle rewards |
₹2,500/yr | 5 Reward Points per ₹200 on eligible spends (from 15 May 2026) | Gift vouchers worth Rs.2,500 on joining and on annual fee pa… | 2% markup on foreign curre… | Good to Excellent | |
| 4 | F(Federal Bank (co-branded with Scapia)Scapia Federal BankNo annual fee · IN Scapia Federal Bank Credit CardTravellers who book on the Scapia app and want zero forex on a free card |
None | 10% rewards as Scapia Coins on eligible Visa card spends of ₹20 and above; 20% o… | See issuer for the current offer | Zero forex markup | See issuer |
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