Axis Bank HORIZON Credit Card

Annual fee

₹3,000 a year.₹3,000; Nil for customers with a Burgundy Savings Account opened on or after 1st July 2026

Joining fee

₹3,000 to join.₹3,000; Nil for customers with a Burgundy Savings Account opened on or after 1st July 2026

Fee waiver rule

Annual Fee: Nil for customers with a Burgundy Savings Account opened on or after 1st July 2026.

Add-on card fee

₹0

Welcome benefit

Welcome Benefits 5000 EDGE Miles.

Reward rate

2 EDGE Miles per ₹100 · everyday spends5 EDGE Miles on every ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites; 2 EDGE Miles per ₹100 on all other spends.

Reward exclusions

Purchase transactions performed on these categories shall not earn rewards: Transportation & Tolls, Utilities and Telecom, Insurance, Educational Institutions, Govt. Institutions, Wallet/ Gift cards, Rent, Fuel.

What one reward unit is worth

1 EDGE Mile = ₹1)

International lounge access

2 International airport lounge access per calendar quarter.

Domestic lounge access

8 Complimentary domestic airport lounge visits per calendar quarter (VISA) and 6 complimentary visits per calendar quarter (Mastercard)

Hotel or travel programme

Wednesday Delight: Instant savings of up to 15% on flights & hotels via MakeMyTrip

Dining programme

Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.

Renewal benefit

1500 EDGE Miles worth ₹1,500 on completion of anniversary year (Not applicable for lifetime free credit card)

Fuel surcharge waiver

1% fuel surcharge waiver on all fuel Transactions between ₹400 to ₹5000, with a max cap of ₹400 in the statement month; GST charged on fuel surcharge is non-refundable

Lost card liability

Lost Card Liability cover up to a limit of ₹10 lacs card transaction frauds as specified in terms and conditions

Forex markup

3.5% on foreign currency transactions.3.50% of Transaction value on International Non DCC Transactions

Dynamic currency conversion markup

3.5% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation

Cash advance fee

2.5% of Transaction amount, Minimum ₹500

Interest on unpaid balance

3.75% (55.55% annual)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if outstanding amount is less than ₹500; ₹500 if between ₹501 and ₹5,000; ₹750 if between ₹5,001 and ₹10,000; ₹1,200 if greater than ₹10,000; ₹1,300 if total payment due is greater than ₹50,000.

Over-limit fee

2.5% (Minimum ₹500) of Overlimit amount

Payment return or dishonour fee

2% of the payment amount subject to Min. ₹500

Statement or duplicate statement feeFee for paying the bill by cheque

Waived

Card replacement fee

Nil

Cash payment / cash deposit fee

₹175 per payment transaction for cash payment at branches (daily limit for cash payment is ₹50,000)

Education / school fee charge

1% fee per transaction on education payments made via third party apps.

Fee on online skill-based gaming spends

1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.

Wallet load charge

1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% of transaction amount

Rent transaction fee

1% fee per transaction on each rental transaction; taxes applicable as notified by Government of India

Utility transaction fee

1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.

GST note

GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

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, subject to a minimum of ₹100

Age the primary cardholder must be

Primary Cardholder should be 18-70 years of age.

Eligibility

Primary Cardholder should be 18-70 years of age; the individual should either be a Resident of India.