Axis Bank Horizon Credit Card
Axis Bank Horizon Credit Card is one of the travel credit card offered by the Axis bank. It is basic version of Axis atlas credit card. The features offered by this credit card is amazing as you get 5 edge miles per ₹100 spent on axis travel edge portal also you get 8 domestic lounge through visa variant & 6 domestic lounge through master card variant & 2 International lounge per quarter. It is nothing but replacement of Citi PremierMiles credit card. The edge miles can be redeemed into 1:1 ratio across various travel partners. After seeing the major devaluation If you look into the joining fee the rewards and benefits offered by this credit card is satisfactory. let’s see the details about this credit card whether you should take it or not.
JOINING FEE
Rs.3000+GST
RENEWAL FEE
Rs.3000+GST
BENEFITS
8 Domestic Lounge Access & 2 International Lounge Access per Calendar Quarter.
REWARDS &CASHBACK
5 Edge Miles for every Rs.100 Spends on Travel & 2 Edge miles on other spends.
Features & Benefits
Welcome Benefits
- Get 5000 edge miles as welcome benefit after completing 1 successful transaction of ₹1000 or more within first 30 days of card issuance.
Travel Edge Miles
- Get 5 Edge miles on every ₹100 spent on Axis travel edge portal and direct airline website or airline counter.
- Get 2 Edge miles on every ₹100 spent on all eligible spends except Fuel, utilities, Rent, Insurance, Education, Govt.Institution, wallet, Transportation & Tolls.
Airport Lounge
- Axis bank Horizon credit card does not have spend criteria for lounge access.
| Card Variant | Domestic Airport Lounge | International Airport Lounge |
|---|---|---|
|
Visa |
8/Quarter |
2/Quarter |
|
Master |
6/Quarter |
2/Quarter |
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.5000. Maximum waiver is Rs.400 per month.
Renewal Benefits
- 1500 Edge miles will be credited on card anniversary every year. The Edge miles will be credited within 30 days from Credit Card anniversary date.
- This offer is only valid for primary card holder.
Dining Benefits
- You can get upto 25% off at partner resturant with Axis bank dining delight. Maximum discount is ₹800 per month on minimum spend of ₹2500.
Edge Miles Redemption
- You will get 1 Edge miles= 1 Rs for booking filght/hotels on Axis travel edge portal.
- The Edge miles can be transfer to partner points in 1:1 ratio.
- The Miles transfer partner are divided into two groups i.e Group A & Group B. Maximum 500000 Miles can be tranfer to partner points per customer id in a year.
- Maximum 100000 Edge miles per customer id cumulatively can be transfer to Group A & 4,00,000 Edge miles per customer id cumulatively can be transfer to Group B in a calendar year.
| Group A | Group B |
|---|---|
|
Accor Hotels |
Air France-KLM (Flying Blue)
|
|
Air Canada |
Air India |
|
Ethiopian Airlines |
Air Asia
|
|
Etihad (Etihad Guest) |
ITC |
|
Japan Airlines |
IHG Hotels & Resorts |
|
Marriott International |
Qantas Airways |
|
Qatar Airways |
Spice Jet |
|
Singapore Airlines |
|
|
Turkish Airlines |
|
|
Thai Airways |
|
|
United Airlines |
|
|
Wyndham Hotels |
|
Fees & Charges
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.75% per month that is 55.55% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
- Final Thoughts
Axis bank Horizon credit card is a decent travel credit card with good number of lounge access and reward rate. If you compare with Atlas credit card it falls behind in edge miles redemption i.e 1:1 but atlas have higher joining/annual fee than horizon. If you look into the welcome benefits you get 5000 edge miles which equal to Rs.5000 which is greater than joining fee also it provide 1500 edge miles point as renewal benefits, so if you want a decent travel credit card and does not want to pay more you should definitely go for this credit card. Apart from Edge points the lounge access does not have spend criteria which is plus point for this credit card. please comment below what do you feel about this credit card.
- Frequently Asked Questions
Do I get both complimentary Domestic & International lounge access?
Yes you will get both domestic and international lounge access complimentary.
Is there any spend based criteria in Axis bank Horizon credit card to access lounge?
No Axis bank Horizon credit card do not have spent based criteria for lounge access.
Does Axis Bank Horizon credit card have spend based annual fee waiver?
No, Axis Bank Horizon credit card don’t have spend based annual fee waiver.