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Axis Bank · Premium

Axis Horizon

Where it ranks across all 187 cards
#6 Flights 5.0% direct #4 EMI 2.0% direct #15 Jewellery & watches 2.0% direct
#16 Gaming 2.0% direct #20 Train tickets 2.0% direct #22 Other 2.0% direct #24 Health & pharmacy 2.0% direct #29 Electronics 2.0% direct #33 Hotels 2.0% direct portal reaches 5.0% #34 Dining out 2.0% direct #37 Online shopping 2.0% direct #37 Movies & events 2.0% direct #38 Groceries 2.0% direct #38 Fashion 2.0% direct #39 Food delivery 2.0% direct
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Engine value - conservative, what rankings use
₹1/pt
2.00%
Bank travel portal
₹1/pt
2.00%
Axis Horizon value chart: '1 EDGE Mile = ₹1'
Points valued at ₹1/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
2.00%base rate
2 pts / ₹100
source
Source: Axis Bank Horizon Credit Card - axis.bank.in - read 25 Sep 2026
5 EDGE Miles per ₹100 on direct airline websites
5.00%this rule
5 pts / ₹100
source
Source: Axis Bank Horizon Credit Card - axis.bank.in - read 25 Sep 2026
Via portals & vouchersdisplay, never ranks
5 EDGE Miles per ₹100 on Travel EDGE (flights and hotels)
via traveledge
source
Source: Axis Bank Horizon Credit Card - axis.bank.in - read 25 Sep 2026
5.0%
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
₹1,000 / year
5000 EDGE Miles credited on first transaction of Rs 1,000 or more within 30 days of card issuance (not applicable for lifetime-free card)
₹5,000estimated value
₹0 / year
1500 EDGE Miles worth Rs 1,500 on completion of anniversary year (not applicable for lifetime-free card); per the T&C PDF this renewal benefit starts from the second anniversary year onwards, not year 1
₹1,500estimated value
Earns nothing on1 exclusion
Cabs & transit, Utility bills, Mobile / broadband, Insurance, Education, Government / tax, Wallet load, Rent, Fuel
earns nothing
Transportation & tolls, utilities and telecom, insurance, educational institutions, government institutions, wallet/gift cards, rent and fuel earn no EDGE Miles
→ use FIRST Private here (6.6%)
detail & source
categories: Cabs & transit, Utility bills, Mobile / broadband, Insurance, Education, Government / tax, Wallet load, Rent, Fuel
Source: Terms and Conditions for Horizon Credit Card (PDF) - axis.bank.in - read 25 Sep 2026
5,000 EDGE Miles
on joining · on the first transaction of ₹1,000 or more
Source: Axis Bank - Horizon Credit Card - axis.bank.in - read 11 Oct 2026
₹5,000value
1,500 EDGE Miles worth ₹1,500
each renewal · on completion of the card anniversary year
Source: Axis Bank - Horizon Credit Card - axis.bank.in - read 11 Oct 2026
₹1,500value
Rent
Axis rent fee 1% + GST
1%
Wallet load
Axis wallet-load fee: 1% once cumulative wallet-load spend this statement cycle reaches ₹10,000, on the cycle total + GST
1%
Fuel
Axis fuel fee: 1% once cumulative fuel spend this statement cycle reaches ₹50,000, on the cycle total + GST (separate from the routine fuel-surcharge waiver on ₹400-₹5,000 pump swipes)
1%
Utility bills, Mobile / broadband
Axis utility fee: 1% once cumulative utility/telecom spend this statement cycle reaches ₹25,000, on the cycle total + GST
1%
Education
Axis education fee: 1% per transaction on education payments made via third-party apps + GST (modelled on every education spend - the engine cannot yet tell a third-party app from the institution's own website/POS, which the MITC exempts, so this is the conservative worst-case reading)
1%
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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