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Axis Bank Horizon Credit Card

The Axis Bank Horizon Credit Card is designed for travellers seeking strong rewards and extensive lounge access. It offers 5 EDGE Miles per ₹100 spent on travel, a generous 32 lounge visits annually, and 1:1 redemption with major travel partners, making it a valuable companion for frequent flyers.

Axis Bank Horizon Credit Card

About Axis Bank Horizon Credit Card

The Axis Bank Horizon Credit Card is a versatile travel-focused card that does not tie you to any single airline. Priced at an annual fee of ₹3,000, it rewards users with EDGE Miles that can be converted at a 1:1 rate with multiple leading travel partners. Along with reward versatility, the card offers complimentary domestic and international lounge access, plus additional bonus miles on joining and renewal, making it a competitive option against cards like Axis Atlas and SBI Miles Elite.

Following the integration of Citibank’s portfolio into Axis Bank, Citi PremierMiles customers were shifted to the Horizon Card. Although the earning rate on Horizon is lower compared to PremierMiles, its superior 1:1 redemption ratio (previously 2:1 for Citi) boosts the card’s overall value. The inclusion of international lounges and more domestic lounge visits further strengthens its benefits for frequent travellers.

Axis Bank Horizon – Rewards Program Overview

Earning EDGE Miles:

  • Earn 5 EDGE Miles for every ₹100 spent on Axis Bank Travel EDGE portal or directly with airline websites/counters.

  • Earn 2 EDGE Miles for every ₹100 spent on all other categories.

Redeeming EDGE Miles:

  • Use your Miles for flight and hotel bookings through the Axis Bank Travel EDGE platform.

  • Convert your Miles into partner loyalty points via the Miles Transfer program, where 1 EDGE Mile equals 1 partner point.

  • Airlines and hotels are categorized into Group A and Group B partners.

  • Maximum redemption per year: 5,00,000 Miles – with 1,00,000 Miles for Group A partners and 4,00,000 Miles for Group B partners.

Group A Partners Include:

  • Accor Hotels (Accor Live Limitless)

  • Air Canada (Aeroplan)

  • Ethiopian Airlines

  • Etihad Airways (Etihad Guest)

  • Japan Airlines (JAL Mileage Bank)

  • Marriott International (Marriott Bonvoy)

  • Qatar Airways

  • Singapore Airlines (KrisFlyer)

  • Turkish Airlines

  • Thai Airways (Royal Orchid Plus)

  • United Airlines (MileagePlus)

  • Wyndham Hotels (Wyndham Rewards)

Group B Partners Include:

  • Air France-KLM (Flying Blue)

  • Air India (Flying Returns)

  • AirAsia

  • ITC Hotels

  • IHG Hotels & Resorts (IHG One Rewards)

  • Qantas Airways (Qantas Frequent Flyer)

  • SpiceJet

  • Vistara

Axis Bank Horizon – Other Features & Benefits

  • Welcome Bonus: Get 5,000 EDGE Miles when you make your first transaction of ₹1,000 or more within 30 days of card issuance.

  • Renewal Reward: Receive 1,500 EDGE Miles as a renewal bonus, credited within 30 days of your credit card anniversary.

  • Airport Lounge Access: Enjoy access to select lounges with the following limits:

    • International Lounges: 2 visits per quarter, up to 8 visits per year

    • Domestic Lounges (Visa Signature): 8 visits per quarter, up to 32 visits per year

    • Domestic Lounges (Mastercard® World): 6 visits per quarter, up to 24 visits per year

  • Dining Benefits: Avail 15% discount (up to ₹500) via EazyDiner on a minimum bill of ₹2,500, usable once every month.

  • Fuel Surcharge Waiver: Get 1% waiver on fuel transactions between ₹400 – ₹5,000, up to ₹400 per month.

  • Lost Card Protection: Insurance coverage of up to ₹10 lakh in case of lost or stolen card.

Axis Bank Horizon Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Axis Bank Horizon: Fees & Charges

Fee Type Amount
Joining/Annual Fee Rs. 3,000 + Taxes
Forex Mark-up Fee 3.5%
Finance Charges 3.60% per month | 52.86% p.a.
Late Payment Charges
On outstanding balance of
Less than Rs. 500 Nil
From Rs. 501 to Rs. 5,000 Rs. 500
From Rs. 5,001 to Rs. 10,000 Rs. 750
Greater than Rs. 10,000 Rs. 1,200

Value Back Comparison: Axis Horizon vs Axis Atlas vs SBI Miles Elite

Axis Horizon, Axis Atlas, and SBI Miles Elite are airline-neutral credit cards that reward you with Air Miles or hotel loyalty points on every purchase. Here’s a comparison of the potential rewards if you spend ₹1,00,000 in a month:

Particular Axis Horizon Axis Atlas SBI Mile Elite
Travel Spends Rs. 1 Lakh Rs. 1 Lakh Rs. 1 Lakh
Rewards Accumulated 5,000 = 5,000 Air Miles/ Hotel Loyalty Points 5,000 = Up to 10,000 Air Miles/ Hotel Loyalty Points 3,000 = 3,000 Air Miles/ Hotel Loyalty Points

Insights:

  • Axis Atlas provides higher value for travel spends due to its 1:2 point-to-mile conversion, making it ideal for frequent travelers.

  • Axis Horizon offers 5% rewards and a 1:1 point-to-mile conversion, making it a strong option for balanced value, especially considering its annual fee.

  • SBI Miles Elite delivers moderate rewards, making it suitable for occasional travelers.

In short, choose Axis Atlas for maximum travel rewards, or Axis Horizon if you want good benefits without a very high annual fee.

Things to Consider Before Applying for Axis Horizon

Ideal for You If:

  • You travel frequently and want a travel credit card not tied to any specific airline.

  • You want access to a high number of complimentary airport lounge visits.

  • You don’t have a strong preference for any airline or hotel loyalty program.

  • You plan to redeem rewards mainly for flight and hotel bookings.

Quick Tip: This card is best suited for travelers who value flexibility in redeeming points across multiple airlines and hotel partners.

Steps to Close Axis Bank Horizon Credit Card

If you want to close your Axis Bank Horizon Credit Card, it is recommended to follow the official closure procedure provided by Axis Bank to ensure a smooth and secure cancellation process.

Evaluate Your Decision

  • Before starting the closure process, review your reason for cancelling the card such as high annual fees, low usage, or switching to another card option. Also keep in mind that closing an old credit card may have an impact on your credit history and credit score.

Clear All Outstanding Dues

Ensure that there are no pending payments on your credit card account. Settle all outstanding amounts including:

  • Total outstanding balance
  • EMIs or installment payments
  • Interest charges
  • Late fees or penalties

The card will be eligible for closure only after all dues are fully cleared.

Submit Closure Request

You can request card closure through multiple official channels such as:

  • Internet banking or mobile banking
  • Customer care support
  • Email or written request to the bank

While submitting the request, you may need to provide:

  • Full name of the cardholder
  • Last four digits of the credit card
  • Registered mobile number or email ID

Confirm the Request

  • After submission, ensure you receive confirmation through SMS or email stating that your closure request has been successfully registered or processed.

Avoid Using the Card

  • Do not use the credit card after initiating the closure request, as any new transaction may delay or stop the closure process.

Dispose of the Card Safely

Once the closure is confirmed:

  • Cut the card diagonally across the chip and magnetic strip
  • Dispose of it securely to prevent any misuse

Verify Credit Report

  • After a few weeks, check your credit report to ensure the account status is updated as “Closed”.
  • If any discrepancy is found, report it immediately to Axis Bank or the credit bureau.

Important Points to Remember

  • Cancel all auto-debits, subscriptions, and recurring payments linked to the card
  • Redeem any remaining reward points before closure, as they may expire afterward
  • Keep a record of all communications and acknowledgements for future reference
  • Monitor your account until the closure process is fully completed

Axis Bank Horizon Credit Card Helpline Number

If you need assistance regarding your Axis Bank Horizon Credit Card, you can contact the customer support team of Axis Bank. The bank provides help for billing queries, payment issues, card blocking, reward points, and other credit card-related services.

Customer Care Helpline Numbers

WhatsApp Banking Support

You can also use WhatsApp banking for quick assistance.

  • Send “Hi” to 7036165000 from your registered mobile number
    This service allows access to basic banking services and instant support.

SMS Banking Services

To check your account balance:

Other Support Channels

Axis Bank offers several additional support options, including:

  • Missed call banking services
  • SMS-based assistance
  • NRI customer support
  • Branch and ATM locator services
  • Complaint and grievance redressal
  • Fraud reporting and security support
  • Do Not Call (DNC) service requests

Services Available

  • Assistance with billing and transaction-related queries
  • Support for payment and credit card statement issues
  • Help in reporting and blocking lost or stolen cards
  • Requests for card replacement or reissue
  • Guidance for credit card closure or cancellation
  • General banking and account-related assistance

Important Points

  • Always use official contact channels for safe communication
  • Keep your registered mobile number and card details ready for verification
  • Never share sensitive information such as OTP, PIN, or CVV
  • Always note your complaint or reference number for future tracking and follow-up

FAQs

Are there special offers available on this card?

Yes, the card features regular promotions, including discounts on travel bookings and popular online platforms. For example, you can enjoy savings on flight and hotel bookings through select travel portals, as well as deals on food delivery and e-commerce platforms.

Cash withdrawals attract a fee of 2.5% of the withdrawn amount (minimum ₹500). Interest on cash advances starts immediately from the withdrawal date, and the usual interest-free period for purchases does not apply.

For international transactions, a standard forex markup fee of 3.5% is applicable. The card does not offer any reduced fee for foreign currency spends.

Applicants must be between 18 and 70 years old. Approval also depends on factors like monthly income, credit score, and overall credit history.

The card offers 5,000 bonus reward points as a welcome benefit. If redeemed at a 1:1 conversion, these points are equivalent to 5,000 air miles or partner loyalty points, which can be used for flight or hotel bookings.