Cardfare / Cards / HORIZON Credit Card
HORIZON Credit Card: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one EDGE Miles unit at ₹1 (axis values edge miles at ₹1 each).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| Axis Travel EDGE (online) | 5 pts / ₹100 | 5.0% | — | Terms |
| MakeMyTrip | 2 pts / ₹100 | 2.0% | — | Terms |
| Cleartrip | 2 pts / ₹100 | 2.0% | — | Terms |
| EaseMyTrip | 2 pts / ₹100 | 2.0% | — | Terms |
| ixigo | 2 pts / ₹100 | 2.0% | — | Terms |
| Goibibo | 2 pts / ₹100 | 2.0% | — | Terms |
| Yatra | 2 pts / ₹100 | 2.0% | — | Terms |
| Axis Travel EDGE hotels (online) | 5 pts / ₹100 | 5.0% | — | Terms |
| Flights | 5 pts / ₹100 | 5.0% | — | Terms |
| Everything else | 2 pts / ₹100 | 2.0% | — | Terms |
| Bills & utilities | No rewards | 0% | — | Terms |
| Mobile & broadband | No rewards | 0% | — | Terms |
| Insurance premiums | No rewards | 0% | — | Terms |
| Education fees | No rewards | 0% | — | Terms |
| Tax & government | No rewards | 0% | — | Terms |
| Wallet loads | No rewards | 0% | — | Terms |
| Rent | No rewards | 0% | — | Terms |
| Fuel | No rewards | 0% | — | Terms |
Recent changes
-
New feeAxis Bank· since 28 August 2026
Axis raises top late-payment fee to ₹1,300
The late fee for outstanding balances above ₹50,000 rises to ₹1,300, while lower slabs are unchanged. Payments are now applied first to fees and taxes, then EMIs, interest, purchases and cash advances.
Applies across Axis Bank's cards
Source: Business Standard
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BetterReportedAxis Bank· since 25 July 2026
Qatar Airways returns as Axis transfer partner at lower ratios
Qatar Airways Privilege Club reappeared as an Axis EDGE transfer partner in July 2026 without a formal announcement. It uses the reduced April ratios, e.g. 5:1 on Magnus and Reserve and 2:1 on Atlas and Horizon, not the old rates.
Cards: AXIS BANK MAGNUS Credit Card, Axis Bank Reserve Credit Card, Axis Bank Atlas Credit Card, HORIZON Credit Card
Source: Live From A Lounge
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CutReportedAxis Bank· since 2 April 2026
Axis drops Accor, Marriott and Qatar as transfer partners
Axis removed Accor, Marriott Bonvoy and Qatar Airways Privilege Club from EDGE Rewards and EDGE Miles transfers with immediate effect and no advance notice. Avios and Vietnam Airlines partners were set at lower ratios, e.g. 5:1 instead of 5:2 on Magnus and Reserve.
Cards: AXIS BANK MAGNUS Credit Card, Axis Bank Reserve Credit Card, Axis Bank Atlas Credit Card, HORIZON Credit Card
Source: Live From A Lounge
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CutAxis Bank· since 1 October 2025
Axis forfeits unredeemed points 30 days after card closure
Axis can forfeit unredeemed EDGE Reward Points or EDGE Miles 30 days after a card is closed, or once the minimum due has been outstanding for more than 90 days. Redeem before closing the card.
Applies across Axis Bank's cards
Source: Live From A Lounge
-
UpdateAxis Bank· since 20 June 2025
Axis defines reward exclusions by spend category instead of MCC
Axis now decides which spends are excluded from rewards, fee waivers and milestones using its own spend-category labels (Utility & Telecom, Rent, Wallet, etc.) rather than 4-digit merchant category codes. Axis said the list of excluded categories itself did not change.
Applies across Axis Bank's cards
Source: Live From A Lounge
Live offers for this card
- FlipkartAxis Bank· until 30 September 2026
10% off up to ₹1,500 on ₹4,990+ · card EMI only
10% instant discount up to ₹1,500 on Axis Bank Credit Card EMI
Offer terms · verified 23 Sept 2026
- MakeMyTripAxis Bank· until 30 September 2026· Wed only
8% off up to ₹2,500 on ₹15,000+
8% off domestic business-class flights with Axis Bank credit cards · Code MMTAXISBIZ
Offer terms · verified 24 Sept 2026