Axis Bank Horizon Credit Card: An Ideal Option for Frequent Travellers

The Axis Bank Horizon credit card is an airline-focused travel credit card which earns EDGE Miles on spending. These can be redeemed for travel benefits. This credit card is primarily ideal for frequent travellers. 

Moderate to high spenders who want consistent travel benefits and occasional fuel surcharge savings can consider this card. Read on to know all about the benefits and rewards it offers.

Key Privileges of Axis Bank Horizon Credit Card

• Get a 5,000 EDGE Miles credit on your first transaction of greater than or equal to ₹1,000 within the first 30 days of card issuance.
• Avail 1,500 EDGE Miles worth ₹1,500 on anniversary year completion.
• Get 5 EDGE Miles on every ₹100 spent at the portal of Axis Bank Travel EDGE and direct airline websites.
• Avail 2 EDGE Miles for every ₹100 spent on all other types of spends.
• Get 2 complimentary international airport lounge access every calendar quarter.
• Benefit from 8 complimentary domestic airport lounge visits every calendar quarter (VISA) and 6 complimentary visits every calendar quarter (Mastercard).
• You also get a 1% fuel surcharge waiver for fuel transactions between ₹400 – ₹5,000 (max cap of ₹400 every statement month).

Other Axis Bank Horizon Credit Card Benefits

• Get 15% off up to ₹500 across 10,000+ restaurants via EazyDiner with Axis's dining delights program.
• Get special Wednesday offers of instant savings up to 15% on hotel and flight bookings via MakeMyTrip.
• The Wednesday offer program also includes a 10% discount of up to ₹1,000 on Tira.
• Get 10% off on Swiggy orders on Wednesdays.

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Terms and Conditions Related to Earning EDGE Miles

• Identification of airlines is always based on Merchant Category Codes (MCC), which are allotted by VISA and Mastercard to the merchant where the purchase is made.
• The Miles earned against purchases made on a credit card will reflect in the cardholder's account on the transaction posting date.
• Purchase transactions on these categories are not rewarded: transportation and tolls, utilities and telecom, educational institutions, insurance, fuel, rent, wallet, and government institutions.

Fees And Charges of Axis Bank Horizon Credit Card

• Joining Fee: ₹3,000 + GST (for primary cardholder)
• Annual Fee: ₹3,000 + GST (for primary cardholder)
• Cash Advance Fee: 2.5% of Transaction Amount (minimum ₹500)
• Over-Limit Charge: 2.5% (minimum ₹500) of the Overlimit Amount
• Returned Payment Charge: 2% of the Payment Amount (minimum ₹500)
• Cash Deposit Branches: ₹175 (for every deposit)
• Finance Charges: 3.75% (monthly)

Eligibility Criteria for Applying for Axis Bank Horizon Credit Card

• The primary cardholder should be between the ages of 18-70 years.
• Applicants need to be residents of India.

Note: These Axis Bank Horizon credit card eligibility criteria may vary depending on the updated regulations of the bank from time to time.

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Required Documents to Apply for Axis Bank Horizon Credit Card

• PAN card and passport-sized photograph
• Proof of income (latest payslip, Form 60, IT return)
• Residence proof (Electricity bill, Driving License, Landline telephone bill)

Axis Bank Horizon Credit Card: Who is it Ideal For?

• Frequent Air Travellers: The Axis Bank Horizon credit card offers annual and joining benefits in EDGE Miles, which makes this card specially rewarding for people who fly often and can redeem the Miles regularly.
• Travel Miles Over Cashback: The rewards system is miles-based and not cashback or points-based. This credit card works best for users who understand Miles and plan to redeem them for upgrades, flights and hotel bookings. 
• Smart Redemption Across Various Categories: This lets you use your EDGE Miles for flights, seat upgrades or hotel bookings, ensuring you get the most value from every mile and making your travel experiences more rewarding, convenient and cost-effective.

💡For your bill payments and tracking business transactions, use the PICE App.

Conclusion

The Axis Bank Horizon credit card is a strong choice for frequent travellers seeking airline-focused rewards, lounge access, and steady EDGE Miles earnings. With travel-centric privileges, milestone benefits, and dining and lifestyle offers, it suits moderate to high spenders who prioritise travel redemptions over cashback.

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