Axis Bank Horizon Credit Card Review and Information Guide

The Axis Bank Horizon Credit Card is a premium credit card designed for frequent travelers and individuals who want to earn rewards on their daily expenses. It offers a wide range of benefits, including airport lounge access and travel insurance.

The card comes with a joining fee of ₹2,499, which may seem steep but can be offset by the benefits you receive. You can also earn 10x reward points on international transactions, which can be redeemed for flights, hotel stays, or other travel-related expenses.

To be eligible for the Axis Bank Horizon Credit Card, you'll need to have a minimum income of ₹25 lakhs per annum. This ensures that you can manage the card's expenses and take advantage of its premium benefits.

Broaden your view: Bank of America Credit Card Benefits Guide

The Axis Bank Horizon Credit Card offers a range of benefits that make it a great option for those who want to earn rewards and save money on their purchases.

You'll receive 5,000 EDGE Miles as a welcome benefit on purchases of ₹1,000 or more within the first 30 days of receiving the card, which can be valued at ₹5,000 if converted to partner hotels or airline points.

One of the key benefits of this card is the fuel surcharge waiver, which allows you to save up to ₹500 on fuel transactions between ₹400 to ₹5,000 in a statement month.

You can also enjoy 20% discounts at Axis Bank's partner restaurants, making it a great option for foodies who love to dine out.

The card also offers a joining fee waiver of ₹1 lakh or more in a year, which can be a significant saving for those who plan to use the card frequently.

Here are some of the key benefits of the Axis Bank Horizon Credit Card:

You'll also receive 1,500 EDGE Miles on your card anniversary, credited within 30 days of the credit card anniversary.

The Axis Bank Horizon Credit Card offers a range of benefits that can help you save money and earn rewards on your purchases.

The Axis Bank Horizon credit card offers rewards points multipliers that can help you earn more points on your daily expenses. You can earn 5 reward points per ₹100 spent on grocery, dining, and travel.

One of the best features of this card is that you can earn 5 reward points per ₹100 spent on grocery and dining, making it a great option for those who regularly spend on these categories. This means that if you spend ₹100 on groceries, you'll earn 5 reward points, which can be redeemed for rewards or converted to EDGE Miles.

Here are the categories where you can earn 5 reward points per ₹100 spent:

These rewards points can be redeemed for vouchers, travel rewards, or converted to EDGE Miles, making it a great way to maximize your rewards earnings.

The Axis Bank Horizon Credit Card comes with a range of fees and charges that you should be aware of.

The joining fee for this credit card is ₹500, which is a one-time payment.

You'll also have to pay an annual fee of ₹500, starting from the second year onwards.

The finance charges are quite reasonable at 3.5% per month.

If you need to take a cash advance, be prepared to pay a fee of 2.5% per transaction or ₹500, whichever is higher.

Overlimit fees are charged at 3% of the amount you've exceeded your limit by.

Here's a summary of the key fees and charges:

The Axis Bank Horizon Credit Card offers a 1% fuel surcharge waiver on fuel transactions between ₹400 to ₹5,000, with a maximum cap of ₹500 in the statement month.

This waiver applies to all fuel transactions within the specified range, and the GST charged on the fuel surcharge is non-refundable.

Here are the details of the fuel surcharge waiver:

Cash Advance Charges can be quite steep.

The minimum charge is Rs. 500.

You'll be charged 2.5% per month for cash advances.

The annual fee is a one-time or recurring charge associated with your credit card. It can be a flat fee or a percentage of your outstanding balance.

In the case of the Axis Bank Horizon Credit Card, the annual fee is ₹500, as mentioned in the card details. This fee is applicable after the first year, according to the card's terms.

Here's a breakdown of the annual fee and other associated charges:

It's essential to review your credit card's terms and conditions to understand the annual fee and any other charges associated with your card.

To be eligible for the Axis Bank Horizon Credit Card, you must be an Indian resident, aged 21 years or above, and have a minimum income of ₹25,000 per annum.

The card is not available to Axis Bank employees, their families, or any individual who has been blacklisted by the bank.

You can apply for the card online or at any Axis Bank branch, and the bank will verify your documents and credit history before approving your application.

As a cardholder of the Axis Bank Horizon Credit Card, you'll enjoy a range of membership benefits that make your life easier and more rewarding.

You'll receive 5,000 EDGE Miles as a welcome benefit on purchases of ₹1,000 or more within the first 30 days of receiving the card. These miles can be valued at ₹5,000 if converted to partner hotels or airline points.

On your card anniversary, 1,500 EDGE Miles will be credited to your account. This is a great way to earn more miles and redeem them for exciting rewards.

You can also earn 1,000 reward points on your first purchase of ₹500 or more within the first 30 days of receiving the card.

If you spend ₹1 lakh or more in the first year, your joining fee might be waived, which is a fantastic perk.

You'll enjoy dining discounts of up to 20% at Axis Bank's partner restaurants, making it a great way to save money while dining out with friends and family.

A fresh viewpoint: Golden 1 Credit Cards

Here are some of the membership benefits you can look forward to:

To apply for this membership, you must be between 21 and 60 years old.

The minimum monthly income required is ₹25,000.

To apply for the Axis Bank Horizon Credit Card, you can do so in a few different ways.

You can start by visiting the bank's website and filling out the online application.

The next step is to submit the required documents, which include a valid identification document, proof of income, and proof of address.

To make the process smoother, it's best to have all the necessary documents ready beforehand.

You can also apply for the credit card by visiting a nearby Axis Bank branch.

Readers also liked: Sbi Bank Credit Card Apply

The Axis Bank Horizon Credit Card offers a range of travel benefits that can enhance your journey. You can enjoy free lounge access at airports.

One of the key benefits is the complimentary airport lounge access, which is available to cardholders.

Broaden your view: Hdfc Bank Credit Card Lounge Access

Domestic airport lounge access is provided with 8 complimentary visits per quarter for Visa cardholders, and 6 complimentary visits per quarter for Mastercard holders. International airport lounge access is available with 2 complimentary visits per quarter.

This means you can relax in style and comfort at the airport, rather than waiting in crowded lounges.

Here's a summary of the complimentary airport lounge access benefits:

These travel benefits can help you save money and enjoy a more comfortable travel experience.

The Axis Bank Horizon Credit Card offers a range of features that make it a compelling choice for those looking for a rewards credit card.

The annual fee for this card is ₹500, which is relatively low compared to other credit cards on the market.

Here's a comparison of the Axis Bank Horizon Credit Card with some other popular credit cards:

This card offers 5X rewards on dining, which is a great perk for foodies who love to dine out.

The Axis Bank Horizon Credit Card is a great option for those who want to earn rewards on their spends. It offers 5X rewards on dining, which is a great feature for foodies.

One of the key differences between the Axis Bank Horizon Credit Card and other cards is its annual fee. The Axis Bank Horizon Credit Card has an annual fee of ₹500, which is lower than the HDFC Regalia First Credit Card's ₹1000 annual fee.

The SBI SimplyCLICK Card has an annual fee of ₹499, which is close to the Axis Bank Horizon Credit Card's fee. However, the rewards structure of these cards differs.

Here's a comparison of the annual fees and rewards of these cards:

The Axis Bank Horizon Credit Card also offers a 1% waiver on fuel surcharge, which is a great feature for frequent travelers.

It's worth noting that the Axis Bank Horizon Credit Card has some exclusions for earning rewards, such as transportation, tolls, utilities, insurance, educational institutions, government institutions, wallet, rent, and fuel. These categories do not earn EDGE Miles.

On a similar theme: Horizon Bank Credit Card

With Axis Bank Horizon Credit Card, you can make payments without even swiping your card. Just place the card near the terminal and you're done.

This contactless payment feature makes transactions faster and more secure.

The Axis Bank Horizon Credit Card is a great option for those who want to earn reward points on their daily expenses. It offers a wide range of reward points on various categories.

This card is particularly attractive for frequent travelers, as it allows you to earn 5 EDGE Miles for every ₹100 spent on travel-related expenses, giving you an impressive 5% reward rate on your travel spending. One of the most attractive features of this card is the access to both international and domestic airport lounges.

However, it's worth noting that the foreign transaction charge is a bit higher than some other cards, but the benefits it offers make it a valuable option.

Broaden your view: Us Bank Credit Card Offers like Chase Offers

The Axis Horizon Credit Card is a great mid-range and affordable credit card for travel.

It allows you to earn accelerated reward points on travel-related expenses. With this card, you can earn 5 EDGE Miles for every ₹100 spent on Travel Edge and airline expenses, giving you an impressive 5% reward rate on your travel spending.

Access to both international and domestic airport lounges is also a great perk of this card, making your travel experience even more comfortable and cost-effective.

The high reward rate for airline expenses makes this card a must-have for frequent travelers, whether for work or vacation.

On a similar theme: Synchrony Bank Credit Card Interest Rate

The Axis Horizon Credit Card is a great option for those who want to earn reward points on daily expenses. It has a wide reward points structure that makes it an attractive credit card.

One of its standout features is the ability to earn 5 EDGE Miles for every ₹100 spent on travel-related expenses, giving you a 5% reward rate on your travel spending. This is an impressive rate that can add up quickly.

Consider reading: Usaa Rate Advantage Platinum Visa Credit Card

The card also offers access to both international and domestic airport lounges, making it a comfortable and cost-effective travel experience. This is a big plus for frequent travelers.

One of the main drawbacks of the Atlas credit card is that it has a lower points transfer value compared to the Horizon card. However, it does offer a higher reward rate due to its milestone rewards and accelerated rewards on direct hotel spends.

The Horizon card has a much higher cap on how many EDGE Miles you can transfer in a year, which is a big advantage for those who want to maximize their rewards. This feature is not available on the Atlas card.

The Axis Horizon Credit Card is a good option for those who want to earn reward points on daily expenses, especially travel-related expenses. Its wide reward points structure and contactless payment features make it a valuable credit card.

Discover more: Chase Bank Credit Card Balance Transfer