Axis Horizon
KeepThe Citi PremierMiles successor — Atlas's little sibling at half the transfer ratio.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 5,000 EDGE Miles on ₹1,000+ cumulative spends within 30 days (paid cards only)
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹8,000 a month
At ₹8,000 a month — ₹96,000 a year — on the everyday mix this card returns ₹3,100 gross (earn ₹1,600 + milestones ₹1,500) against its ₹3,000 fee = ₹100 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #41
Why #41 Moved up to roughly where our own model has always put it. This is the card Atlas holders are being moved onto, and it earns EDGE Miles — the ₹2.00 point — at 1:1 into twenty-four programmes for ₹3,000 a year, where Olympus charges ₹20,000 for the same currency. We were holding it twenty-two places below its own value score on a "thin bundle" argument that a ₹3,000 fee already prices in. Read the seat as the cheapest serious door into EDGE Miles, not as a best-card call: the earning is narrow and travel-shaped, the ratio is half what Atlas gave, and the sharpest desk that has reviewed it says it is not convinced.
Best real exit: Singapore Airlines KrisFlyer at ₹1.10/pt (1:1 transfer).
The take
Horizon exists because Citi PremierMiles holders needed somewhere to land after the Axis migration, and as a ₹3,000 miles card it's honest work: 2 EDGE Miles per ₹100, 5 on travel, and transfers to Air India, KrisFlyer, Etihad and United. The catch is the ratio — Horizon converts Group A at 1:1 where Atlas gets 1:2, so every mile is worth half as much on the way out, and the 1L/4L annual caps are tighter. A fine first miles card; Atlas at ₹5,000 simply out-earns it for anyone spending seriously.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹3,000/yr at stake · 5 spend bands
The charge ₹3,000/yr
Break-even ₹8,000 a month — ₹96,000 a year — is where this card's value crosses its fee.
At your spend
₹3,500 a year, net of the fee, at ₹3,00,000 of annual spend
₹8,600 a year, net of the fee, at ₹6,00,000 of annual spend
₹18,700 a year, net of the fee, at ₹12,00,000 of annual spend
₹59,000 a year, net of the fee, at ₹36,00,000 of annual spend
₹99,300 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 15 Sep 2026 Wyndham splits its three flat free-night tiers into four a program these points reach
- 8 Sep 2026 Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 1:1 on the standard partners. Flying Blue, Air India and Qantas joined KrisFlyer, United, Turkish and Etihad in Group A (1L/yr) on the 25 Sep 2026 grid; IHG, Hilton and Miles & More sit in Group B (4L/yr), and Miles & More is 1:1 for Horizon and Atlas alike
- 5 EDGE Miles per ₹100 on Travel Edge and direct airline spend (OTAs earn only 2)
- 8 domestic lounge visits/quarter on the Visa Signature card + 2 international/quarter
- The ₹50,000 prior-3-month spend gate on Axis domestic lounge access is expressly WAIVED for Horizon
- 1,500 renewal EDGE Miles every anniversary from year 2; ₹1/mile floor on the Travel Edge portal
Watch out
- Half of Atlas's transfer ratio on the standard partners — 1:1 vs 1:2. Miles & More is the exception: both cards convert 1:1
- The punished set converts at 2:1 for Horizon too — BA, Finnair, Qatar, Vietnam, IndiGo, Cathay, and the returned Accor
- Marriott is still gone and ITC left the 25 Sep 2026 grid; Accor came back at Horizon's 2:1, not the old 1:2, and Qatar's return stays at 2:1
- No spend-based fee waiver — ₹3,000 goes to Nil only via a Burgundy Savings a/c opened on/after 1-Jul-2026 (₹10L AMB or ₹30L TRV); forex 3.5% + GST
- That Burgundy waiver is ONE lifetime-free Axis card per customer — hold Select, Magnus or Horizon free already and you don't get a second, and it lapses with the Burgundy relationship
- DCC markup more than doubled to 3.5% on 28 Aug 2026 (from 1.5%) — 'pay in rupees' abroad now costs the same as the 3.5% forex fee
- The Mastercard World variant gets 6 domestic lounge visits/quarter, not the Visa's 8
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 25 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Delhi → Mumbai Economy 7,500 Axis EDGE Miles via Air Canada Aeroplan at 1:1 the play
- Mumbai → Goa Business 12,500 Axis EDGE Miles via Air Canada Aeroplan at 1:1 the play
- Mumbai → Hyderabad First 25,000 Axis EDGE Miles via Air Canada Aeroplan at 1:1 the play
What earns, what doesn't
13 sourced rules · 9 pay zero
Horizon's T&C publishes the full MCC table (rare for Axis). 20-Jun-2025 revision notice: 'no change to the spend categories excluded' but identification moved to internal spend category, not the 4-digit MCC — and exclusions also drop out of the spend-based fee-waiver calc. Transportation & tolls (4111/4121/4131/4784) are ALSO zero-earn; no column for it here.
- Fuel · excluded MCC 5541/5542/5983/5172 zero EDGE Miles; 1% fuel surcharge waiver on ₹400–₹5,000 txns, waiver cap ₹400/statement month (official — Atlas gets no waiver at all)
- Rent & property management · excluded MCC 6513 zero; also excluded from spend-based fee-waiver calc (20-Jun-2025 notice)
- Wallet loads · excluded MCC 6540 zero
- Utilities (electricity/water/gas) · excluded MCC 4814/4816/4899/4900 zero
Does your spend count toward the milestones?
not published — and we say which
A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Axis Bank states what the Axis Horizon earns and does not earn, but has not published which spend categories count toward the milestones . We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Where the miles go
29 programs · 27 live
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every Axis Bank route, side by side → · the Axis EDGE Miles hub →
Lounge access
22 of 793 tracked doors
Gate: Exempt from the programme's ₹50,000 prior-3-month spend criterion (Section 2)
Opens 22 of 793 tracked lounge doors across 14 airports — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Gated on an Axis Burgundy banking relationship — income alone won’t open this door.
per the official Axis Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹3,000 joining and annual, NO spend waiver — but Nil for customers with a Burgundy Savings Account opened on/after 1-Jul-2026 (Burgundy takes ₹10L AMB in savings or ₹30L TRV or ₹3L+/month salary credit — official Burgundy eligibility PDF), and Axis caps that at ONE lifetime-free card per Burgundy customer, forfeited if the Burgundy relationship lapses. Same standard 3.75%/mo APR tier as Atlas, not the Magnus/Reserve 3.0% tier. DCC 3.5% since 28-Aug-2026, up from 1.5% (bank-wide revision notice). Fuel surcharge 1% refunded on ₹400–₹5,000 transactions, capped ₹400/cycle. Axis publishes no income cutoff for Horizon; age 18–70 from the official product page.
per the official Axis Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 15 Sept 2026Wyndham splits its three flat free-night tiers into four
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 10 of them, each with the day we read it
- official Horizon T&C PDF
- official Axis Bank Horizon product page — 5 EDGE Miles per ₹100 on Travel EDGE and direct airline sites, 2 elsewhere; ₹3,000 joining and annual, Nil on a qualifying Burgundy Savings Account
- official Axis Bank Key Fact Sheet, updated 12-Aug-2026 — Horizon joining ₹3,000 / annual ₹3,000 (Nil for customers with a Burgundy Savings Account opened on or after 1 Jul 2026)
- official Axis Bank Domestic Airport Lounge Access Program — Horizon sits in Set B at 6 visits per calendar quarter for Mastercard World and 8 for Visa Signature
- official Axis Bank Points/Miles Transfer ratio table — "Horizon Credit Card: 1 EDGE Mile = 1 Partner Point", a quarter of Olympus's 1:4 and half Atlas's 1:2
- official Travel EDGE Points/Miles Transfer T&C — the full per-card conversion grid effective 2-Apr-2026 (Horizon column: 1:1 to every standard partner)
- official Axis Bank-wide MITC — Horizon joining/annual ₹3,000 (Nil^ for a Burgundy Savings Account opened on or after 1 Jul 2026), APR 3.75%/month (55.55% p.a.)
- official Axis bank-wide revision notice (published 27-Jul-2026) — effective 28-08-2026 the DCC markup goes 1.5% → 3.5%, a ₹1,300 late-payment slab appears above ₹50,000 outstanding
- community CardInsider review
- community CardMaven review (partner groups + caps)