Miles and More Credit Card
Rs 3,500Annual fee
16Domestic lounge
Domestic lounge conditions
- Complimentary domestic lounge access (4 visits/quarter) requires spends of ₹50,000 in the previous 3 calendar months. New cardholders are exempt from this criteria for the month of card issuance and the next 3 calendar months.
3.5%Forex markup
Best for
Miles, Lufthansa, Star Alliance, Travel, Lounge
Top rewards
All Eligible Spends: 4 Award Miles / ₹200 spent
HORIZON Credit Card
Rs 3,000Annual fee
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge visits per quarter (8 per year)
- 2 complimentary international lounge visits per quarter (8 per year)
3.5%Forex markup
Best for
Travel, Airlines, Travel EDGE, Lounge, Miles
Top rewards
Travel EDGE And Airline Websites: 5 EDGE Miles / ₹100 spent on Travel EDGE and airline websites; Other Eligible Retail Spends: 2 EDGE Miles / ₹100 spent
| Feature | Miles and More Credit Card | HORIZON Credit Card |
|---|---|---|
| Issuer | Axis Bank | Axis Bank |
| Network | Mastercard | Visa |
| Joining fee | Rs 3,500 | Rs 3,000 |
| Annual fee | Rs 3,500 | Rs 3,000 |
| Reward type | Miles And More Award Miles | EDGE Miles |
| Best for | Miles, Lufthansa, Star Alliance, Travel, Lounge | Travel, Airlines, Travel EDGE, Lounge, Miles |
| Top reward categories | All Eligible Spends: 4 Award Miles / ₹200 spent | Travel EDGE And Airline Websites: 5 EDGE Miles / ₹100 spent on Travel EDGE and airline websites; Other Eligible Retail Spends: 2 EDGE Miles / ₹100 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 16 | 8 |
| International lounge | 2 | 8 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not Listed | 1,500 EDGE Miles renewal benefit from the second card anniversary year onward |
| Redemption | Air miles: upto ₹ 0.7 per point | Travel EDGE travel: upto ₹ 1 per point; Air miles: upto ₹ 1 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends |