{
  "id": "axis-horizon-credit-card",
  "locale": "en",
  "name": "Axis Bank HORIZON Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "premium",
  "annualFee": "₹3,000 + GST",
  "loungeAccess": "6 domestic per quarter (Mastercard) or 8 (Visa) + 2 international per quarter",
  "rewardsRate": "5 EDGE Miles / ₹100 on Travel EDGE and direct airline spends · 2 EDGE Miles / ₹100 on other eligible spends",
  "bestFor": "Direct airline bookings, Travel EDGE rewards and partner-dependent miles transfers",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-horizon-credit-card",
  "aiVerdict": {
    "score": 3.4,
    "summary": "Its modest reward rate offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹3000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 2,
  "affiliateId": "axis-horizon-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.axis.bank.in/cards/credit-card/axis-horizon-credit-card",
    "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/terms-and-conditions-for-horizon-credit-card.pdf",
    "https://traveledge.axis.bank.in/travel/common/termsandcondition"
  ],
  "feeWaiver": "No general spend waiver; eligible Burgundy account holders may receive lifetime-free pricing",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Flight & Travel Spends",
      "value": "5 EDGE Miles / ₹100 on Travel EDGE and direct airlines"
    },
    {
      "key": "Base Retail Spends",
      "value": "2 EDGE Miles / ₹100 on other eligible spends"
    },
    {
      "key": "Mile Transfer Ratio",
      "value": "Partner-dependent; check current Travel EDGE table"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 per quarter (Visa) or 6 per quarter (Mastercard)"
    },
    {
      "key": "International Lounge",
      "value": "2 per quarter"
    },
    {
      "key": "Welcome Gift",
      "value": "5,000 EDGE Miles on an eligible paid card after the qualifying first transaction"
    }
  ],
  "earnRates": [
    {
      "category": "Airline Tickets & Travel EDGE Portal",
      "rate": "5.0% (5 Miles / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 EDGE Miles; redemption value varies"
    },
    {
      "category": "Other Eligible International Spends",
      "rate": "2 EDGE Miles / ₹100",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 EDGE Miles; redemption value varies"
    },
    {
      "category": "General Domestic Retail Spends",
      "rate": "2.0% (2 Miles / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 EDGE Miles (₹2,000 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 RP"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Flight Bookings & Travel EDGE",
      "multiplier": "2.5×",
      "rate": "5.0%",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "5 EDGE Miles per ₹100 on direct airline websites & Travel EDGE."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Partner Miles Transfer",
      "value": "Varies by partner and date",
      "minPoints": "500 EDGE Miles; partner-specific minimums may apply",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Flight Bookings on Travel EDGE",
      "value": "₹1.00 / Mile",
      "minPoints": "500 Miles",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel transactions (1% surcharge waiver on ₹400–₹5,000, capped at ₹400 per statement month).",
    "Wallet load transactions and utilities."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹3,000 + GST standard; conditional 5,000 EDGE Miles welcome bonus on paid cards"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹3,000 + GST standard; eligible Burgundy account holders may have lifetime-free pricing"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (55.55% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18–70 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹60,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹7.2 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}