Credit Card Compare

Axis HORIZON Credit Card

Data last updated 25 October 2026
55.55%
Purchase rate
₹3,000
Annual fee
5,000
Bonus points

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Application

CardIQ

46Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge45
  • Rewards47
  • Sign-up bonus42
  • Travel51

Customer reviews

No reviews yet. Be the first to review the Axis HORIZON Credit Card.

Pros & cons

What's good

  • 5,000 bonus points to start, worth around ₹5,000 at our ₹1-per-point valuation.
  • Complimentary airport lounge access.
  • Earns 5 EDGE Miles per ₹100 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee and annual fee are each INR 3,000 + GST. Nil for customers with a Burgundy Savings Account opened on or after 1st July 2026 (one lifetime free card per Burgundy customer; not available if already holding a lifetime free Axis Bank Select, Magnus, or Horizon card). No spend-based waiver mentioned for this card. GST not included in stated fee. The ₹3,000 annual fee is still toward the top of the market (the median is ₹749).
  • The 55.55% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • Earns 2 EDGE Miles per ₹100 on everyday spend, around the dataset average.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Signature
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Axis Bank EDGE Miles

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Resident of India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
55.55% p.a.
Purchases
55.55% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹3,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
MAD is computed as the sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
2 EDGE Miles per ₹100
Bonus categories
5 EDGE Miles per ₹100 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Unredeemed EDGE Miles forfeited post 30 days of credit card closure or if minimum amount due is outstanding for more than 90 days

Sign-up bonus

Bonus spend required
First transaction greater than or equal to ₹1000 within 30 days of card issuance
Sign-up bonus
5,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Rewards value₹10,800 a yearTop 10% (2nd of 61 cards)
Sign-up bonus₹5,000Top 10% (2nd of 37 cards)
Interest-free days50 daysTop 10% (8th of 73 cards)
Overseas fee3.50%Better than most (33rd of 91 cards)
Annual fee₹3,000 a yearNot as good as most cards (70th of 91 cards)
Purchase rate55.55%Among the weakest we track (82nd of 91 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Axis Bank