Premium Travel Miles Card — 5X Miles on Flights & Hotels, 1:1 Partner Transfers & 2% Forex
Frequent leisure and business travelers seeking accelerated airline booking multipliers, 1:1 airline transfer flexibility, and moderate annual fee overhead.
₹5,000
One-time upfront₹5,000
Waived on ₹5 lakh annual spend5 EDGE Miles on Axis Travel Edge and Airline Spends. 2 EDGE Reward Points on all Other Eligible Spends
On eligible spends2 Domestic + 2 International visits/quarter
Complimentary visitsLast verified 9 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Axis Bank Horizon Credit Card is strategically engineered for mid-to-high tier frequent flyers who prioritize airline loyalty point accumulation over generic shopping cashback. Priced at ₹5,000 + GST per year, Horizon provides a welcoming offset through **5,000 Edge Miles** on joining fee settlement, effectively neutralizing the first-year fee. Most importantly, Edge Miles earned on Horizon transfer at a direct **1:1 ratio** into leading global frequent flyer programs such as Singapore Airlines KrisFlyer, Qatar Airways Privilege Club, and Air Canada Aeroplan. Where Horizon truly shines is its accelerated travel booking engine: cardholders earn **5 Edge Miles per ₹100 spent** on direct airline ticket and hotel bookings (up to 1,000 Edge Miles per statement cycle), equating to a 5% reward return in pure airline miles. Everyday domestic spending yields 1.5 Edge Miles per ₹100 (1.5% return), comfortably surpassing generic entry-level cards. For international trips, a reduced **2.00% Foreign Currency Markup** minimizes cross-currency exchange leakages compared to conventional 3.5% rates. Airport lounge comfort is robust: 8 complimentary domestic lounge visits annually (2 per quarter, spend-linked at ₹50,000 in preceding 3 months after Q1) and 6 international lounge visits via Priority Pass. Drawbacks include the 1,000-mile monthly cap on accelerated airline bookings and the ₹5,00,000 annual spend threshold required for renewal fee waiver. However, for travelers seeking 1:1 airline miles transfers without committing to a ₹20,000 super-premium fee, Horizon is an exceptionally well-balanced choice.
5 EDGE Miles on Axis Travel Edge and Airline Spends. 2 EDGE Reward Points on all Other Eligible Spends
5000 EDGE Miles on Spends of ₹1,000 Within the First 30 Days of Card Issuance
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel & Dining Spends | 5 EDGE Miles per ₹100 on travel & dining | No Cap | Standard terms apply |
| General Retail Spends | 2 EDGE Miles per ₹100 on general retail spends | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel & Dining Spends | ₹12,000 | 5 EDGE Miles per ₹100 on travel & dining | — | None | Calculating... | Under cap |
| General Retail Spends | ₹18,000 | 2 EDGE Miles per ₹100 on general retail spends | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹5,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹5,000 + 18% GST. • Annual Renewal Fee: ₹5,000 + 18% GST (waived for Axis Priority Banking customers maintaining relationship balances). • Spend-Based Fee Waiver: Annual renewal fee waived on achieving cumulative retail spends of ₹5,00,000 in preceding anniversary year. • Welcome Gift: 5,000 Edge Miles credited upon card activation and payment of joining fee within 30 days. • Accelerated Rewards: 5 Edge Miles per ₹100 spent on airline and hotel bookings (capped at 1,000 Edge Miles per billing cycle). • General Rewards: 1.5 Edge Miles per ₹100 spent on all other domestic retail categories. • Transfer Ratio: 1:1 transfer ratio (1 Edge Mile = 1 Partner Mile) across 15+ partner airlines and hotel chains. • Foreign Currency Markup: 2.00% + GST on all foreign currency cross-border transactions. ? Domestic Lounge Access: Visa variant: 8 complimentary domestic lounge visits per calendar quarter; Mastercard variant: 6 complimentary domestic lounge visits per calendar quarter (spend condition exempt). ? International Lounge Access: 2 complimentary international lounge visits per calendar quarter. • Fuel Surcharge Waiver: 1% waiver on fuel purchases between ₹400 and ₹4,000 (up to ₹400 per month). • Finance Charges (APR): 3.60% per month (52.86% annualized) on revolving credit balances.
Evaluate whether this card's perks and waiver threshold justify its ₹5,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Axis Bank Horizon Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Axis Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Frequent Flyers, Hotel Loyalty Maximizers & High Spenders seeking Air Miles Transfers
Rewards: 5 EDGE Miles/₹100 on airlines/hotels, 2 EDGE Miles/₹100 on other retail
Lounge access: 2 Domestic visits/quarter + 4 International visits/year
Last verified 2 Oct 2026
Best for: Frequent Domestic Travelers, Lifestyle Brand Shoppers & Milestone Achievers
Rewards: 5 Reward Points per ₹200 spent
Lounge access: 12 Domestic + 6 International visits/year · ₹60k quarterly spend required (Domestic)
Forex markup: 2% Low Forex
Renewal fee waived on ₹4,00,000 annual spend
Last verified 16 Oct 2026
Best for: Frequent Airline Travelers, International Vacationers & Flexible Air Mile Transfer Enthusiasts
Rewards: 2 Reward Points per ₹100 spent
Lounge access: 6 Domestic + 4 International visits/year
Renewal fee waived on ₹8,00,000 annual spend
Last verified 2 Oct 2026
Doctor's SBI Card
Best for: Practicing doctors, surgeons, clinic owners, and healthcare consultants requiring professional legal liability protection alongside travel perks and medical equipment procurement rewards.
Rewards: 1 Reward Point per Rs. 100 on other retail spends
Lounge access: 2 Domestic visits/quarter
Renewal fee waived on ₹2,00,000 annual spend
Last verified 10 Sept 2026
Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
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