Axis BankVisaTravel
Horizon credit card
Atlas-lite: 5 EDGE Miles per ₹100 on direct travel, 2 elsewhere, 8+4 lounges.
Personal score36/100● Weak fit
Recurring net savings₹2,393/yrafter fee, GST and caps · bills paid in full
First-year value₹7,393incl. ₹5,000 welcome, ₹3,540 joining fee
Effective savings rate0.7%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)You pay ₹3,540never waived
Lounge access✈8 dom🌏4 intlyou can use 2 of your visits
Source: Axis Bank – Horizon product page · last reviewed 2026-09-12
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Why it fits – and what to watch
hover any tile for the detail₹4,133/yrBase rate 2% on other spends
−₹3,540Fee you pay
2/2lounge visits covered
₹36,000earns nothing (fuel)
! You pay the ₹3,540 annual fee (incl. GST) – waiver needs a fee-based renewal, it is never waived.
Where the money comes from
₹2,393/yr · 0.7%Base rate 2% on other spendson ₹2,06,640₹4,133
5 miles/₹100 on airlines, hotels & Travel Edgeon ₹36,000₹1,800
Excluded categories (no rewards)on ₹84,000₹0
Renewal fee incl. GSTyou pay it−₹3,540
UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
- How ₹2,393/yr is calculated
- Horizon
- + Reward value on your spendat ₹1/EDGE Miles realistic value
- ₹5,933
- − Annual fee incl. 18% GSTcharged every year
- −₹3,540
- = Recurring net savings
- ₹2,393/yr
- ÷ card spend counted UPI-only rupees excluded on non-RuPay cards
- ₹3,26,640
- = Effective savings rate
- 0.7%
How the score of 36 is built
weights total 100% · methodologyNet savings rate15/100 × 55%8.2
Usable lounge access100/100 × 15%15.0
Redemption flexibility80/100 × 10%8.0
Lifestyle fit0/100 × 10%0.0
Simplicity60/100 × 5%3.0
Fee safety45/100 × 5%2.3
Airport lounges with this card
Open Lounge Finder →42airports in India
64lounges you can enter
8 per yeardomestic
4 per yearinternational
How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 6 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
- 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
HYD Hyderabad 4 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
- 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 3 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- 🌏T2 080 International Lounge BIAL · via Priority Pass verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 3 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
- 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
- ✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
- 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
- ✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
- 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
- ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
- ✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
- ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk
+ 30 more airports in the Lounge Finder.
Card facts
💳 Base earn2%value on eligible spend
⚡ Accelerated5% 5 miles/₹100 on airlines,…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹3,540/yr incl. GSTnot spend-waivable
🎁 Welcome (year 1)≈ ₹5,0005,000 EDGE Miles on first transaction
🏁 Milestonesnone
✈️ Lounge✈8/yr dom🌏4/yr intl8 domestic + 4 international
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/EDGE Miles ★★★★☆Transfer to airline & hotel partners; ₹1/mile on Travel Edge.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestyleconciergeinsurance cover
🪪 EligibilityIncome ₹6L+/yr
At a glance
- Same 5% travel earn as Atlas
- Lower fee than Atlas
- Miles transfer partners
- Fee not waivable
- Fewer milestones than Atlas
- 3.5% forex
Compare Horizon with
Community Q&A on the Horizon
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the Axis Bank Horizon?
Joining fee ₹3,000 and renewal fee ₹3,000, plus 18% GST (₹3,540 a year). The fee is not waived on spend.
Does the Horizon give airport lounge access?
8 domestic + 4 international/yr. 8 domestic + 4 international.
How much can I save with the Horizon?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,393 a year, an effective savings rate of 0.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the Horizon's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. 5 miles/₹100 on airlines, hotels & Travel Edge: capped at ₹5,000 a month
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: Horizon lounge access by airport · all Axis Bank cards · change log.