An annual earning scenario is available below. Redemption conditions and benefits outside that scenario still need confirmation.
Horizon Credit Card
Review Horizon Credit Card fees, features, annual savings, missed-payment cost and alternatives using your own spending. The calculation shows both the rewards you may gain and repayment costs that can erase those gains.
Calculation coverage & fees
Complete card facts
Calculation coverage
Annual earning evidence & conditions
Annual scenario review · 2026-09-16
Annual earning model available
Direct airlines/Travel EDGE earn 5 miles per INR 100; other eligible spending earns 2. Anniversary and welcome awards are not assumed.
The annual calculator uses repeated eligible domestic spending and standard renewal fees. It shows the documented cash route, a clearly labelled reference estimate, or points with your selected redemption quote. Vistara projections stop at the programme closure date. This review does not certify every benefit, offer or account condition.
See this card’s annual resultRedemption evidence & open checks
Research coverage
What has been checked for this card?
We keep issuer research separate from the calculator so an unresolved cap, exclusion or redemption route can never become an invented rupee saving.
Features & benefits
What this card can offer
These features come from the issuer information used for this card's automatic calculation profile. Check the calculation notes for restrictions and unresolved rules. Reward value may be limited to vouchers or travel rather than cash.
5 EDGE Miles per ₹100 on travel
Eligible Travel EDGE and direct-airline spending earns five miles per ₹100.
2 EDGE Miles per ₹100 elsewhere
Other eligible purchases earn two miles per ₹100.
1,500-mile renewal benefit
Eligible primary cardholders qualify from the second anniversary year onwards, excluding lifetime-free cards. Credit is scheduled within 30 days of the anniversary. This is not a spend milestone.
Domestic and international lounges
Published lounge privileges are visible benefits but are not converted to speculative cash value.
Your money
See savings, fees and the cost of paying late
Annual value comparison
Use your real monthly spending. The same inputs are compared across available monetary models; profiles with unresolved rules are withheld.
Compare this card with all 87Card overview
What Horizon Credit Card is designed to offer
Horizon Credit Card appears in the Accurate Paisa directory under Travel. This classification helps compare cards designed for similar spending, but your real return depends on eligible merchants, caps, exclusions, redemption and whether you pay an annual fee.
Travel
Travel value may combine miles and privileges. Lounge access and insurance are kept separate unless a dependable cash value is available.
Transparent rules
How Accurate Paisa calculates its value
Your monthly spending is annualised, then the recorded reward rates, caps and milestone rules are applied. Eligible fee waivers are checked before the annual fee and GST are subtracted. The outcome is a rupee estimate and effective return, not a promise of earnings.
- ✓One EDGE Mile is valued at the issuer-published ₹1 of supported redemption.
- ✓Generic travel uses the base rate: only confirmed Travel EDGE or direct-airline purchases qualify for 5 miles per ₹100. Travel-agent and OTA bookings earn 2 miles per ₹100.
- ✓The public ₹3,000 fee is assumed; relationship-based lifetime-free offers are not applied automatically.
- ✓Renewal awards are separate from spending milestones and excluded from the spend-only annual estimate. Confirm anniversary eligibility and, for Voyage variants, timely payment of the renewal fee before adding that benefit.
- ✓EDGE reward value assumes an active account in good standing and redemption before expiry. Standard points/miles have a 3-year validity and a 365-day inactivity condition; expiry runs at month-end. Citi-migrated balances and product-specific expiry rules can differ, so check the expiry shown in your EDGE account. From 1 October 2025, unredeemed points/miles are forfeited 30 days after card closure or when minimum due remains outstanding for more than 90 days. Redemption may be suspended earlier for overdue accounts. EMI conversion reverses associated rewards; cancelling that EMI does not restore those rewards.
Do not spend more just to reach a reward or fee waiver. Credit-card finance charges can be several times larger than ordinary reward rates, so paying the full statement balance by the due date is the most important assumption behind a positive card-value estimate.
Questions & answers
Frequently asked questions
What type of card is Horizon Credit Card? +
It is listed by Axis Bank under Travel. Approval and the application route remain subject to the issuer's current rules.
How is the annual value of Horizon Credit Card calculated? +
Where a supported estimate is available, Accurate Paisa applies the recorded reward conversion, caps, fees and assumptions to your annual spending. Redemption restrictions can reduce the value you realise.
How is net card value calculated? +
Net annual value equals usable rewards plus eligible milestone value, minus the annual fee with GST and modelled transaction and redemption charges.
What happens if I miss a payment? +
Interest may apply to the unpaid balance, a late fee and GST may be charged, and the interest-free period can be lost. Use the estimator below with your statement figures.
Does the highest saving always mean the best card? +
No. Approval, acceptance, support, redemption, foreign-exchange charges and your ability to repay the full statement balance also matter.
Cardholder voice
Value, support and owner experience
No moderated cardholder rating is published yet. Accurate Paisa keeps its mathematical value score separate until enough real reviews are available.
Sign in with WhatsApp to reviewCompare the actual EMI quote, including any initial-interest bill, processing fee, GST and full-payment rewards you would give up.
Compare EMI with full payment →