Axis Bank has introduced new cards to replace existing Citi credit cards, including the Axis Bank Horizon credit card, which will substitute the Citi PremierMiles credit card. This credit card comes at a joining and annual fee of Rs.3000 plus GST (Goods and Services Tax). The card enables users to earn EDGE Miles on spendings at 2 to 5 EDGE Miles per Rs.100 spent. The Axis Horizon card also provides complimentary airport lounge access, EazyDiner discounts, and a fuel surcharge waiver. Read on to know every detail about the card including benefits, rewards, and features of the Axis Bank Horizon credit card.

The following is the list of significant features and benefits of Axis Bank HORIZON credit card:
Understanding the fees associated with your credit card is important. Below is a simplified breakdown of the charges for the Axis Bank HORIZON Credit Card.
Fee Category | Fee Amount |
Joining Fee (Primary Card / Add-on) | ₹3,000 + GST / Nil |
Annual Fee (Primary Card / Add-on) | ₹3,000 + GST / Nil |
Charge Type | Details |
Late Payment Charges | • Up to ₹500: Nil• ₹501 - ₹5,000: ₹500• ₹5,001 - ₹10,000: ₹750• Above ₹10,000: ₹1,200 |
Finance Charges (Interest) | 3.60% per month (52.86% annually) |
Over Limit Fee | 2.5% of the over-limit amount (Minimum ₹500) |
Returned Payment Fee | 2% of the payment amount (Min. ₹450, Max. ₹1,500) |
Charge Type | Details |
Cash Advance Fee | 2.5% of the transaction amount (Minimum ₹500) |
Foreign Currency Transaction | 3.50% of the transaction value |
Rent Surcharge | 1% of the transaction value (capped at ₹1,500) |
Fuel Surcharge Waiver | 1% waiver on transactions from ₹400 to ₹5,000 (up to ₹400/month) |
Card Re-issue / Statement Request | Nil |
Cash Deposit at Branch | ₹100 per deposit |
DCC Markup Fee | 1% on international transactions made in Indian currency |
Note:
Here are eligibility criteria to apply for Axis Bank HORIZON credit card:
The following is the list of documents required to apply for Axis Bank HORIZON credit card:
Note: The documents required may vary from one case to another.
Axis Horizon cardholders have access to all transfer partners available to Magnus, Atlas, and Reserve cardholders. The total EDGE Miles transferable to partner points in a calendar year is capped at 1.5 Lakh EDGE Miles per customer ID. Additionally, a maximum of 1 Lakh EDGE Miles can be transferred to Group A partners and 4 Lakh EDGE Miles to Group B partners annually. This sub-cap applies only to the Horizon card. However, you can hold multiple Axis or HDFC cards and pool miles into partner accounts.
Group | Transfer Partner and Program | Conversion RateEDGE Miles: Partner Miles |
A | Accor: ALL | 1:1 |
A | Air Canada: Aeroplan | 1:1 |
A | Ethiopian Airlines: ShebaMiles | 1:1 |
A | Etihad Airways: Etihad Guest | 1:1 |
A | Japan Airlines: JAL Mileage Bank | 1:1 |
A | Marriott International: Marriott Bonvoy | 1:1 |
A | Singapore Airlines: KrisFlyer | 1:1 |
A | Turkish Airlines: Miles&Smiles | 1:1 |
A | Thai Airways: Royal Orchid Plus | 1:1 |
A | United Airlines: United MileagePlus | 1:1 |
A | Wyndham Hotels & Resorts: Wyndham Rewards | 1:1 |
B | Air India: Flying Returns | 1:1 |
B | Air Asia: airasia rewards | 1:1 |
B | Air France - KLM: Flying Blue | 1:1 |
B | Air Vistara: Club Vistara | 1:1 |
B | IHG Hotels & Resorts: IHG One Rewards | 1:1 |
B | ITC: Club ITC | 1:1 |
B | Qantas Airways: Qantas Frequent Flyer | 1:1 |
B | SpiceJet: SpiceClub | 1:1 |
The joining fee of Axis Bank HORIZON credit card for primary card holders is Rs.3000 plus GST (Goods and Services Tax).
No, you need not pay any fee to avail yourself of add-on card for Axis Bank HORIZON credit card.
No, your father of age 75 years cannot avail Axis Bank HORIZON credit card because the age requirement to apply for this card is 18 to 70 years only.
A late payment charge of Rs.750 will have to be paid for an outstanding balance of R.9,774 on Axis Bank HORIZON credit card.
The foreign currency markup charge that the cardholders need to pay for making international transactions in US Dollars using Axis Bank HORIZON credit card is 3.50% on the Indian currency equivalent to US Dollars.
The benefit of Rs.8000 of Accelerated EDGE REWARD Points can be availed by the Axis Bank HORIZON credit card users for an annual expenditure of Rs.1.60 lakh.

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