Axis Bank Horizon Credit Card: Benefits & Apply

Summary

Axis Bank Horizon Credit Card is designed for those who live a lifestyle that is luxurious in nature with rewards that are travel, dining, and shopping based. It offers a variety of rewards and benefits that make it a suitable choice for those who wish to maximize returns on their spendings.

One of the key benefits of this card is that you have free access to airport lounges in India as well as abroad, making your travel more pleasant and relaxing. You also receive reward points on every transaction, whether shopping, dining, or booking travel. You can redeem these points for flight bookings, hotel bookings, shopping coupons, and so on, and make your purchases more rewarding. The card also offers exclusive dining offers, thereby you save money when you dine at top restaurants.

The card even gives you a fuel surcharge exemption if you buy fuel with the card, providing you with further savings. For expensive purchases, you can convert the purchase value into easy EMI payments, making financial management easy for you. The Credit card is a contactless payment card, which is quick, secure, and easy for daily transactions.

Introduction

Today, most of us like to utilize credit cards not just for shopping but also to pay bills, purchase travel tickets, and even enjoy rewards. Out of the numerous credit cards that are swimming in the market, Axis Bank Horizon Credit Card is a higher-end card with many benefits, mostly for shopping, dining, and traveling enthusiasts. If you are looking for a credit card that offers luxury, comfort, savings, and rewards, then the Axis Bank Horizon Credit Card can be your best choice.

The Axis Bank Horizon Credit Card is specifically designed for those who are looking for something more than simple features. It gives you exciting travel rewards, airport lounge access, points on every single expense, and lifestyle rewards that turn your everyday spend into something more. Whether you’re traveling for work or taking a family vacation, the card gives you access to complimentary airport lounges, airport express check-ins, and exclusive flight and hotel savings. So, if you’re someone who flies often or enjoys the good things in life, this card is a great travel partner.

Yet another great feature of the Axis Bank Horizon Credit Card is its reward points scheme. You earn points every time you swipe your card. These points you can use to obtain shopping vouchers, book flights, hotel reservations, or even statement credit. Exclusive dining deals are yours too, so that you not only save money but also enjoy your favorite cuisine from upscale restaurants.

What’s wonderful about it is that the card has strong security features, contactless payment, and easy EMI options. If you make a big transaction, you can convert it into small monthly installments, which will be very easy for you to manage your budget. Further, you can control your card and monitor your rewards through the Axis Bank mobile app or internet banking.

What is the Axis Bank Horizon Credit Card?

The Axis Bank Horizon Credit Card is an elite credit card for travelers who love roaming, shopping, and leading a luxurious lifestyle. The card rewards you with reward points on all spending, and you can use these points to book travel, stays, or do some shopping. The card also offers you complimentary airport lounge access, dining discounts, and other added-value services.

The Horizon Card is appropriate for people seeking convenience, cost savings, and added benefits while making bill payments. It also features decent security, contactless transactions, and hassle-free EMI facilities. It’s an excellent card in all ways for those who want to derive additional value from their credit card.

How is the design of the Axis Bank Horizon Credit Card?

The Axis Bank Horizon Credit Card has a better-looking modern design with a metallic finish which is quite awesome to behold. The card would typically feature a modern-looking dark-completed or a black coloration which is clean and clear as well as uncluttered with the Axis Bank name imprinted on its front panel.

It is also very rich and elegant in the feel to hold, courtesy of its metallic finish. It also supports contactless payment, whereby you can just tap it against machines in order to pay, making it handsome and convenient to use. Generally, the card design is classy, luxurious, and convenient just like its features.

What are the benefits of the Axis Bank Horizon Credit Card?

Here are the benefits of the Axis Bank Horizon Credit Card explained in plain English:

1. Free Airport Lounge Access

You get free access to airport lounges in India and abroad. This calms and comforts your travel, with complimentary Wi-Fi, snacks, and a quiet place to sit.

2. Reward Points on Every Spend

Every time you dine, travel, or shop with your card, you earn EDGE reward points. You can cash in these points to book flight tickets, shop online, or receive gift vouchers.

3. Dining Offers

You get special offers and discounts at the finest dining establishments of India when you pay through this card. It saves you money while enjoying your favorite cuisine.

4. Fuel Surcharge Waiver

When you buy fuel with this card at fuel outlets, you are waived off the fuel surcharge (usually 1%), thus saving you money every time you refill.

5. Simple EMI Facility

If you heavily invest in something, you can divide it into simple monthly instalments (EMI). That way, you will be able to take better care of your finances and never feel financially burdened.

6. Contactless Payments

There is also a tap-and-pay facility on the card for real-time, safe, and secure transactions without card swiping and insertion.

7. High Security Features

It offers high security features like instant alerts, defense against fraud, and a lock/unlock facility for your card through the mobile app.

8. Global Acceptance

The card makes payments in India and abroad, hence suitable for international tourists and online international shopping.

What are the fees for the Axis Bank Horizon Credit Card?

Here is a simple breakup of the Axis Bank Horizon Credit Card fees.

Joining Fee	₹3,000 + GST
Annual Fee	₹3,000 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	3.6% per month (52.86% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Axis Bank Horizon Credit Card?

The following are the primary requirements:

1. To apply for the Axis Bank Horizon Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 2 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get an Axis Bank Horizon Credit Card?

The documents that you will have to submit to get an Axis Bank Horizon Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Axis Bank Horizon Credit Card be used?

Here is the list of places where you can use it:

• With the Axis Bank Horizon Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Axis Bank Horizon Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Axis Bank Horizon Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Axis Bank Horizon Credit Card?

The credit amount you can spend is what you are provided with an Axis Bank Horizon Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an Axis Bank Horizon Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Axis Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Axis Bank Horizon Credit Card.

• Just hover your cursor on the Axis Bank Horizon Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Axis Bank branch to apply for the Axis Bank Horizon Credit Card.

• Request for the credit card application form of the Axis Bank Horizon Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Axis Bank Horizon Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an Axis Bank Horizon Credit Card in 2025 be right?

Yes, getting an Axis Bank Horizon Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Axis Bank Horizon Credit Card is an ideal choice for those who want comfort, rewards, and savings all combined under one card. It is really useful to those who travel a lot, are shopaholics, and like to indulge in good food in restaurants. The card gives you free access to airport lounges, making travel convenient and stress-free for you. You also accumulate reward points for every transaction you make, and you can use these points to get discounts, tickets, or online purchases. Hence, the more frequently you use your card, the more rewards you receive in return.

Another great feature of this card is that it offers dining discounts, fuel surcharge waiver, and the option to convert large payments into easy EMIs, making it easier for you to handle your finances. The contactless payment option introduces speed and security to your transactions, and the strong security system protects you from fraud or abuse. Wherever you are, in India or abroad, this card is accepted everywhere, so it is highly convenient.

In simple words, the Axis Bank Horizon Credit Card is not just a credit card – it’s a smart money tool that helps you save more, earn more, and live more. Whether you shop and dine or travel and shop online, the Credit card adds value to every aspect of your daily life. If you’re looking for a card that offers a luxury lifestyle experience, then this card is surely a great option to consider.

Frequently Asked Questions (FAQ’s)