Axis Bank HORIZON Credit Card

Axis Bank · Open to apply

Axis's entry travel card: 5 EDGE Miles per ₹100 on Travel EDGE and airline spends, 2 per ₹100 on everything else, 5,000 miles on the first transaction and 1,500 on each anniversary, 2 international and 6 to 8 domestic lounge visits a quarter. ₹3,000 fee with no waiver. Miles transfer to 27 programmes, mostly 1 to 1.

Annual fee
₹3,000 + GST a year
Joining fee
₹3,000 + GST
Base rate
2 EDGE Miles per ₹100 on everything else: 2 EDGE Miles per ₹100 (about 2% at cash value)
Lounges
International: 2 visits a calendar quarter; Domestic: 8 visits a calendar quarter; Domestic: 6 visits a calendar quarter
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 5 EDGE Miles per ₹100 on Travel EDGE bookings: 5 EDGE Miles per ₹100 (about 5% at cash value)
  • 5 EDGE Miles per ₹100 on airline spends: 5 EDGE Miles per ₹100 (about 5% at cash value)

Earns nothing on

  • No miles on transportation (cabs and local transport)
  • No miles on utilities and telecom, insurance, education, government, wallet and gift cards, rent, fuel, bridge, road and toll fees, cash advances and EMI conversions

Where the sources disagree

  • Cap period of the fuel surcharge waiver: The T&C and product page say the waiver is capped at ₹400 per statement month; the MITC says per statement cycle. The two are the same period for most cardholders; the MITC is used.

Terms the calculator does not value

  • Transfer ratios and partners are set in Axis's Travel EDGE terms, which Axis can change without notice. The ratios entered are the terms fetched on 2026-10-20: 1 EDGE Mile to 1 partner point for most programmes, 2 miles to 1 point for Accor, British Airways, Cathay, Finnair, IndiGo BluChip, Qatar and Vietnam Airlines and 1 to 1 for Miles & More. IndiGo BluChip has a limited two-month introductory ratio (dates not given) that is not entered. Caps are per customer ID and the highest card's cap applies when several cards are held; Miles & More also has a separate limit of 2,00,000 Miles & More miles a year. The calculator does not apply the caps. The ₹ value of a transfer is our estimate per programme.
  • The 5X on airline spends applies only to bookings made directly with the airline. Bookings through travel agents and online travel agencies earn 2 miles per ₹100. The profile does not say how flights are booked, so all flight spend is valued at 5X.
  • Cards migrated from Citi PremierMiles keep their old annual fee and fee waiver terms and get no welcome miles; the calculator values a card issued today.
  • Catalogue, SMS and partner-outlet redemption exist for EDGE Miles but the Horizon sources give no rate for them, so only Travel EDGE at ₹1 a mile and transfers are valued.
  • The transport exclusion has no code list in the Horizon T&C; the codes used (cabs excluded, railways and travel agents earning) come from the Olympus T&C.

Sources

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