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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, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

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

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

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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Zenidhi reads your Axis Bank transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works

Other Axis Bank cards

Airtel Axis Bank Credit Card

25% on Airtel Mobile/Broadband/DTH via Airtel Thanks App

Axis Bank ACE Credit Card

5% on Bill payments, DTH, mobile recharge — via Google Pay only

Axis Bank Atlas Credit Card

≈5% on Transport

Axis Bank Cashback Credit Card

7% on Online net spends above ₹40,000 in a statement month (online)

Axis Bank Freecharge Plus Credit Card

5% on On-deck spends done through the Freecharge application

Axis Bank MAGNUS Credit Card

≈12% on Axis travel edge portal

Axis Bank MAGNUS for Burgundy Credit Card

≈24% on Axis travel edge portal, Grab deals gyftr

Axis Bank MY Zone Credit Card

≈0.4% on everything else

Axis Bank Neo Credit Card

≈0.1% on everything else

Axis Bank Privilege Credit Card

≈1% on everything else

Axis Bank Reserve Credit Card

≈6% on International spends

Axis Bank REWARDS Credit Card

≈3.2% on Shopping

Axis Bank SELECT Credit Card

≈2% on Groceries, Shopping

AXIS BANK SUPERMONEY RuPay Credit Card

3% on UPI QR transactions done on/through the super.money platform (UPI)

Fibe Axis Bank Credit Card

3% on Food, Entertainment, Transport (online)

Flipkart Axis Bank Credit Card

7.5% on Myntra

IndianOil Axis Bank Credit Card

≈4% on Eligible fuel transactions at IndianOil outlets

IndianOil Axis Bank Premium Credit Card

≈0.8% on IOCL fuel

Samsung Axis Bank Signature Credit Card

10% on Samsung purchases — Samsung eStore / Shop App, in-store Brand EMI or full swipe on Pine Labs / Benow Soft POS, Samsung service centres on PayU Soft POS

Scapia Axis Bank Credit Card

≈4% on Flight, hotel, and bus bookings on the Scapia App

Every card we have rules for