Cards · Axis Bank

Axis Bank HORIZON Credit Card: rewards, caps and exclusions

The Axis Bank HORIZON Credit Card pays about 5% on Direct airline, and 2% on everything else. Below is every rate, cap and exclusion in Axis Bank's published terms, as we last checked them on 18 July 2026.

₹3,000 a yearPaid in miles

What it earns

≈5%Direct airlineno cap stated

≈2%Everything elseno cap stated

≈ marks a rate paid in miles, converted at ₹1 a point: the lowest redemption value Axis Bank documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Tolls
Utility bills
Telecom bills
Insurance premiums
Education fees
Government payments
Wallet loads
Rent
Fuel
EMI conversions

Milestones

In Axis Bank's own words:

renewal: 1,500 EDGE Miles per anniversary (from 2nd year) → 1,500 EDGE Miles

Fees

Annual fee: ₹3,000, plus 18% GST
Joining fee: ₹3,000
Foreign-currency markup: 3.5%

Welcome benefit: 5,000 EDGE Miles on spending ₹1,000 within 30 days.

Eligibility: aged 18–70.

Where this comes from

Transcribed from Axis Bank's own documents and checked against them on 18 July 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Axis Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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