HORIZON Credit Card

Features & Benefits
Fees & Charges
Eligibility & Documentation
Value Chart
Services

Features & Benefits

Welcome Benefits

5000 EDGE Miles credited on the first transaction greater than or equal to ₹1000 within

Renewal Benefits

1500 EDGE Miles worth ₹1,500 on completion of anniversary year

Accelerated Rewards

5 EDGE Miles on every ₹100 spent on Axis Bank Travel EDGE portal and direct airline websites.

Base Rewards

2 EDGE Miles per ₹100 on all other spends

Lounge Access

2 International airport lounge access per calendar quarter

Fuel Surcharge Waiver

1% Surcharge waiver for fuel transaction between ₹400 – ₹5000 (max. capping of ₹400 per statement month)

Dining Delights

Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.

Wednesday Delight

Beat the mid-week blues with exciting offers every Wednesday

Fees & Charges

Description	Charges
Joining fee	₹3000+GST for Primary No fee for Add-on
Annual Fee	₹3000+GST for Primary No fee for Add-on
Cash advance fee	2.5% of Transaction amount (Minimum ₹ 500)
Late payment charges	Nil if outstanding amount is less than ₹ 500 ₹ 500 if Outstanding amount is between ₹ 501 and ₹ 5000 ₹ 750 if outstanding amount is between ₹ 5001 and ₹ 10000 ₹ 1200 if outstanding amount is greater than ₹ 10000 Additional ₹ 100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until MAD is cleared
Over limit charge	2.5% (Minimum ₹500) of Overlimit amount
Returned Payment Charge (Cheque / ECS / ACH / SI bounce charge)	2% of the payment amount subject to Min. ₹500
Railway ticket booking surcharge	As prescribed by IRCTC / Indian Railways
Fuel Surcharge	1% fuel surcharge waiver on all fuel transactions between ₹ 400 to ₹ 5000, with a max cap of ₹ 400 on wavier in the statement month
Statement Request (beyond 3 months)	NIL
Reissue of lost, stolen or damaged card	Nil
Foreign currency transactions	3.50% of Transaction value on International Non DCC Transactions
Cash deposit at branches	₹175 per deposit
Finance Charges - Interest	3.75% (55.55% annual)
Rent Surcharge	1% will be applicable on each rental transaction done on Axis Bank Credit Cards. GST will be applicable as notified by Government of India.
DCC Markup	1.5% plus taxes will be applicable on Axis Bank Credit Cards for each International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation. ^{1& 2}
Wallet load transaction fee	1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle
Fuel transaction fee	1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle
Education transaction fee	1% fee on education payments made via third party apps
Utility transaction fee	1% fee on cumulative spends of ₹ 25,000 or more on utilities per statement cycle
Online skill-based gaming transaction fee	1% fee on cumulative spends of ₹ 10,000 or more on online skill-based gaming platforms in a statement cycle

¹International cash withdrawal amount billed post conversion to INR via DCC viz dynamic currency conversion (i.e., a service offered at certain international ATMs which allows a Card Member to convert a transaction denominated in a foreign currency to local currency i.e., Indian Rupees at the point of withdrawal/sale) may include any fees / charges levied by the ATM acquiring bank or ATM service provider.

²For international transactions in US Dollars, 3.5% mark-up on the INR equivalent of the US Dollars, at the conversion rates published by the card networks. For international transactions effected in currencies other than the US Dollar, the transaction would first be converted into US Dollars, at the conversion rates published by the card networks.

Eligibility Documentation

Eligibility for HORIZON Credit Card

Primary Cardholder should be 18-70 years of age
The individual should either be a Resident of India

*The above criteria are only indicative, and the bank reserves the ultimate right to approve or decline applications for the HORIZON Credit Card.

Documentation for HORIZON Credit Card

PAN Card photocopy / Colour photograph
Proof of income
Latest payslip / Form 16 / IT return / Form 60
Residence proof
Driving License / Electricity Bill / Landline Telephone Bill

*The above list is only indicative. Documents required may vary on a case to case basis.

Value Chart

Benefits on HORIZON Credit Card	Annual Spends(₹)	Annual Benefits(₹)
Spend per card	8,00,000	-
Accelerated EDGE REWARD Points (5 EDGE Miles for every ₹100 spent. 1 EDGE Mile = ₹1)	1,60,000	8000
Base EDGE REWARD Points (2 EDGE Miles for every ₹100 spent. 1 EDGE Mile = ₹1)	4,00,000	8000
Spends on- ‘No Earn categories’	2,10,000	0
Welcome Benefits 5000 EDGE Miles*	100	5000
Domestic Lounge Access **	-	19,200
International Lounge Access ***	-	16,200
Fuel Surcharge Waiver#	30,000	200
Total Benefits on HORIZON Credit Card is more than ₹58,200