StockWaves
  • Home
  • Global Markets
    Global MarketsShow More
    This 26-year-old’s blue-collar enterprise brings in .3 million a 12 months
    This 26-year-old’s blue-collar enterprise brings in $1.3 million a 12 months
    9 Min Read
    Barclays upgrades GN Retailer Nord inventory to Obese on earnings inflection
    Barclays upgrades GN Retailer Nord inventory to Obese on earnings inflection
    0 Min Read
    3 distinctive funding trusts that would enhance the returns of a Shares and Shares ISA
    3 distinctive funding trusts that would enhance the returns of a Shares and Shares ISA
    4 Min Read
    China shares lag broad Asia rebound,Fed price reduce hopes and Nvidia-Chin
    China shares lag broad Asia rebound,Fed price reduce hopes and Nvidia-Chin
    0 Min Read
    Chinese language corporations chase Africa’s shoppers as useful resource investments plunge 40%
    Chinese language corporations chase Africa’s shoppers as useful resource investments plunge 40%
    9 Min Read
  • Investment Strategies
    Investment StrategiesShow More
    Lloyds Metals & Vitality Ltd – Constructing India’s Subsequent Mining-to-Metals PowerhouseInsights
    Lloyds Metals & Vitality Ltd – Constructing India’s Subsequent Mining-to-Metals PowerhouseInsights
    9 Min Read
    Traders misplaced over 50% good points by lacking the 'finest 3 months'
    Traders misplaced over 50% good points by lacking the 'finest 3 months'
    0 Min Read
    Don't play the ready sport
    Don't play the ready sport
    0 Min Read
    PPFAS plans IPO in 5 years, entry into NPS
    PPFAS plans IPO in 5 years, entry into NPS
    0 Min Read
    Comparable valuations, reverse outcomes
    Comparable valuations, reverse outcomes
    0 Min Read
  • Market Analysis
    Market AnalysisShow More
    Is It Truly Value Rs. 3,000?
    Is It Truly Value Rs. 3,000?
    11 Min Read
    Inventory to purchase briefly time period: Axis Securities recommends this PSU inventory as its ‘Decide of the Week’
    Inventory to purchase briefly time period: Axis Securities recommends this PSU inventory as its ‘Decide of the Week’
    6 Min Read
    YES Financial institution Inventory in Consolidation: A Lengthy-Time period Investor’s Perspective
    YES Financial institution Inventory in Consolidation: A Lengthy-Time period Investor’s Perspective
    10 Min Read
    Nifty, Sensex open flat amid optimism of touching contemporary highs: Consultants
    Nifty, Sensex open flat amid optimism of touching contemporary highs: Consultants
    4 Min Read
    Is that this flexi-cap fund getting too huge to shine
    Is that this flexi-cap fund getting too huge to shine
    0 Min Read
  • Trading
    TradingShow More
    Scott Bessent Says If ‘Radical Left’ Once more Shuts Down Authorities In January, GOP Ought to ‘Instantly Finish’ The Filibuster
    Scott Bessent Says If ‘Radical Left’ Once more Shuts Down Authorities In January, GOP Ought to ‘Instantly Finish’ The Filibuster
    3 Min Read
    Mamdani Says He ‘Continues To Imagine’ Every little thing He’d Mentioned Earlier About Trump Regardless of ‘Very Productive’ Assembly
    Mamdani Says He ‘Continues To Imagine’ Every little thing He’d Mentioned Earlier About Trump Regardless of ‘Very Productive’ Assembly
    3 Min Read
    Scott Bessent Says Individuals Set For ‘Lowest Price’ Thanksgiving Dinner In 4 Years After Being ‘Traumatized’ By Biden-Period Costs
    Scott Bessent Says Individuals Set For ‘Lowest Price’ Thanksgiving Dinner In 4 Years After Being ‘Traumatized’ By Biden-Period Costs
    3 Min Read
    The Insider Report: Put together for the Subsequent Dip Shopping for Alternative – Daqo New Power (NYSE:DQ), Dianthus Therapeutics (NASDAQ:DNTH)
    The Insider Report: Put together for the Subsequent Dip Shopping for Alternative – Daqo New Power (NYSE:DQ), Dianthus Therapeutics (NASDAQ:DNTH)
    21 Min Read
    Elon Musk’s Ex-Spouse Shared Insights Into Their Tumultuous Marriage – Tesla (NASDAQ:TSLA)
    Elon Musk’s Ex-Spouse Shared Insights Into Their Tumultuous Marriage – Tesla (NASDAQ:TSLA)
    3 Min Read
Reading: Is It Truly Value Rs. 3,000?
Share
Font ResizerAa
StockWavesStockWaves
  • Home
  • Global Markets
  • Investment Strategies
  • Market Analysis
  • Trading
Search
  • Home
  • Global Markets
  • Investment Strategies
  • Market Analysis
  • Trading
Follow US
2024 © StockWaves.in. All Rights Reserved.
StockWaves > Market Analysis > Is It Truly Value Rs. 3,000?
Market Analysis

Is It Truly Value Rs. 3,000?

StockWaves By StockWaves Last updated: November 24, 2025 11 Min Read
Is It Truly Value Rs. 3,000?
SHARE


Contents
IntroductionThe Payment Drawback That No One Talks AboutThe Rewards Construction Is Extra Sophisticated Than It AppearsWhat About Worldwide Journey? Let’s Speak Foreign exchangeThe Lounge Entry: Respectable however Not ThrillingThe place This Card Truly Makes SenseThe Card That Ought to Be Competing However Isn’tWho Ought to Truly Get This Card?Conclusion

Introduction

Let me be trustworthy with you. When Axis Financial institution launched the Horizon card, I believed they had been lastly addressing a niche within the journey bank card market.

A simple journey card with out all of the tier-chasing complexity of the Atlas? What’s tier-chasing

Some bank cards have a system the place you unlock higher advantages when you cross sure spending milestones (like Rs. 1 lakh in a month will get you 5x miles, however under that you simply get 2x miles). That’s what “tier-chasing” means.

The Horizon card doesn’t do this.

The rewards are the identical no matter your spending quantity. So it’s less complicated to grasp and use.

Attention-grabbing. However after spending time with this card and evaluating it towards what’s accessible, I discovered myself asking a query you most likely have too: Is that this card actually definitely worth the annual payment, or is Axis simply repackaging an present product?

Let me stroll you thru what I found.

The Payment Drawback That No One Talks About

First, let’s deal with the elephant within the room.

You’re paying Rs. 3,000 becoming a member of payment plus Rs. 3,000 annual payment (plus GST, so actually Rs. 3,540). That’s a critical dedication earlier than you even swipe the cardboard as soon as.

Right here’s the factor. The cardboard provides you 5,000 EDGE Miles as a welcome profit. That’s good. However then on renewal, you get simply 1,500 miles.

Now take into consideration this, when you earn solely 2 miles per Rs. 100 spent on common transactions, you’ll want to spend Rs. 75,000 simply to earn again that renewal payment.

That’s not a small threshold to clear, proper?

Evaluate this to the HDFC Marriott Bonvoy card. Similar Rs. 3,000 becoming a member of payment, proper?

However each single yr, they offer you a Free Night time Award value as much as 15,000 Marriott factors. You don’t should spend something. It’s simply there. Yearly.

All of the sudden, the renewal profit feels far more beneficial than 1,500 miles.​​

The Rewards Construction Is Extra Sophisticated Than It Appears

Right here’s the place the advertising and marketing is sophisticated to decode.

The cardboard advertises 5 EDGE Miles per Rs. 100 on airline spends. Sounds implausible, doesn’t it?

However wait. That 5x incomes solely applies when you e-book instantly on the airline’s web site.

Guide the identical flight on MakeMyTrip? You’re right down to 2 miles per Rs. 100. Similar flight, identical worth, however half the reward factors simply due to the place you booked it.

And let’s be actual right here. How many people really e-book flights instantly on airline web sites?

Most of us use Cleartrip or Reserving.com or Skyscanner as a result of it’s simpler to check costs. We’re not making an attempt to be sophisticated. We simply need the very best deal.

So in observe, when you’re like most vacationers, you’re incomes round 2-2.5 miles per Rs. 100, not the 5x the advertising and marketing guarantees. That’s a significant distinction.​​

After which there are the excluded classes. No miles on gas, utilities, insurance coverage, lease, training, or pockets transfers.

Give it some thought.

  • You may refill petrol on the best way to the airport,
  • Pay insurance coverage earlier than touring, or
  • Switch cash to your pockets for lodge bookings.

All of that? Zero miles.

These aren’t obscure spending classes. These are issues actual vacationers really do.​​

What About Worldwide Journey? Let’s Speak Foreign exchange

The Horizon card expenses a 3.5% international transaction payment. Is that dangerous? Probably not. It’s commonplace throughout most journey playing cards in India.

However right here’s the place it will get fascinating (comparability).

The RBL World Safari card affords 0% foreign exchange markup. Zero.

You’re paying much less for worldwide transactions. It doesn’t earn reward factors on international transactions, however when you’re touring internationally and wish to reduce prices, that’s a distinct calculation altogether.​

The Horizon card doesn’t have a singular angle right here. It’s simply doing what everybody else is doing.

The Lounge Entry: Respectable however Not Thrilling

You get 32 home lounge accesses and eight worldwide lounge accesses per yr.

That sounds beneficiant at first.

However assume virtually.

In case you do a global journey with one round-trip flight, you want 4 lounge accesses only for that journey.

Eight accesses in a yr means you’re perhaps protecting two worldwide journeys when you’re being cautious. And that’s assuming you even have time to make use of the lounge earlier than boarding.​

Don’t get me flawed. Lounge entry is sweet. However actually? Each journey card nowadays affords lounge entry. It’s not a differentiator anymore. Once I began utilizing this card about 12 years financial institution (at the moment it was Citi Financial institution), lounge entry was a luxurious. However at present, enter an Airport Lounge and you’ll really feel like a railway platform.

The place This Card Truly Makes Sense

I don’t wish to be unfair. The Horizon card isn’t a foul product. It does some issues nicely.

In case you’re somebody who flies domestically 4-6 occasions a yr and all the time books instantly on airline web sites, the 5 miles per Rs. 100 is genuinely helpful.

If your organization provides you a set journey price range and also you’re simply reserving flights on their expense, this card is simple and will get the job completed.

The welcome advantage of 5,000 miles is definitely one of many higher opening affords on this worth bracket.

And the simplicity is effective too. You don’t want to trace which airline will get what number of miles, in contrast to the Atlas card which has a number of tiers. You simply spend, earn, and that’s it.​

There’s additionally a 1% gas surcharge waiver on transactions between Rs. 400-5,000, capped at Rs. 400 month-to-month.

It’s not huge, nevertheless it’s a sensible Rs. 400-500 yearly that you simply don’t take into consideration.

The Card That Ought to Be Competing However Isn’t

Right here’s what bothers me.

The Axis Financial institution Horizon card is positioned as an various to the Axis Atlas. However it doesn’t actually compete in the best way it ought to.

  • The Atlas is Rs. 5,000 however affords tiered advantages and extra flexibility.
  • The Horizon is Rs. 3,000 however lacks the upside for heavy spenders.
  • In the meantime, the HDFC Marriott Bonvoy can also be Rs. 3,000 however provides you tangible lodge advantages yearly.
  • The SBI Miles Elite is ₹1,999 and covers each flights and motels.

The place does Horizon match?

It’s making an attempt to be the budget-friendly possibility, however price range journey playing cards don’t cost Rs. 3,000 annual charges. They’re imagined to be Rs. 1,000-1,500.

And premium choices like Marriott provide extra worth anyway.

The cardboard feels prefer it’s making an attempt to be every little thing and ending up being nothing notably particular.

Who Ought to Truly Get This Card?

Go for it if:

  • You fly 4+ occasions yearly on the identical airline and all the time e-book direct
  • You’re an worker with a set journey price range and need one thing easy
  • You have already got different premium playing cards and desire a devoted airline card
  • You worth simplicity over optimizing each rupee of rewards

Skip it if:

  • You’re utilizing OTA apps and web sites for reserving (which is most of us)
  • You journey internationally usually and wish to reduce foreign exchange prices
  • You’re hotel-focused and need extra worth than simply lounge entry
  • You’re somebody who solely books flights a couple of times a yr and doesn’t wish to pay Rs. 3,000 for infrequent profit

Conclusion

The Axis Financial institution Horizon Credit score Card is competent. It really works. It does what it guarantees.

However is it thrilling? Probably not.

Is it the very best card for journey in 2025? I wouldn’t say so.

There are higher choices relying on what you really do.

  • If you would like lodge advantages, go Marriott.
  • In case you fly internationally, go RBL Safari.
  • If you would like simplicity, go SBI Miles Elite.
  • If you would like premium advantages and may spend extra, go for Amex.

The Horizon card appears like a card designed by a committee to enchantment to everybody and ending up interesting to nobody particularly, I believe.

It’s the center possibility that neither leads nor follows, it simply exists.

Do you have to apply for this card? Provided that the precise use case I discussed above matches your precise journey sample.

In any other case, you’re most likely paying Rs. 3,000 yearly for a card that doesn’t fairly suit your wants in addition to one thing else would.​

But when the annual charges comes dows to Rs. 1,000, the identical card turns into 3x extra beneficial.

That’s my opinion about this card.

Sign Up For Daily Newsletter

Be keep up! Get the latest breaking news delivered straight to your inbox.

By signing up, you agree to our Terms of Use and acknowledge the data practices in our Privacy Policy. You may unsubscribe at any time.
Share This Article
Facebook Twitter Copy Link Print
Previous Article Ex-CJI Gavai units new precedent, leaves official automobile for successor Surya Kant at Rashtrapati Bhavan Ex-CJI Gavai units new precedent, leaves official automobile for successor Surya Kant at Rashtrapati Bhavan
Next Article Barclays upgrades GN Retailer Nord inventory to Obese on earnings inflection Barclays upgrades GN Retailer Nord inventory to Obese on earnings inflection
Leave a comment

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

FacebookLike
TwitterFollow
PinterestPin
InstagramFollow

Subscribe Now

Subscribe to our newsletter to get our newest articles instantly!

Most Popular
This 26-year-old’s blue-collar enterprise brings in .3 million a 12 months
This 26-year-old’s blue-collar enterprise brings in $1.3 million a 12 months
November 24, 2025
Pibit.AI raises M from Stellaris Enterprise Companions to construct trusted AI for the insurance coverage {industry}
Pibit.AI raises $7M from Stellaris Enterprise Companions to construct trusted AI for the insurance coverage {industry}
November 24, 2025
RVNL Wins Rs 181 Crore NE Railway Order; Shares Commerce Flat
RVNL Wins Rs 181 Crore NE Railway Order; Shares Commerce Flat
November 24, 2025
Barclays upgrades GN Retailer Nord inventory to Obese on earnings inflection
Barclays upgrades GN Retailer Nord inventory to Obese on earnings inflection
November 24, 2025
Is It Truly Value Rs. 3,000?
Is It Truly Value Rs. 3,000?
November 24, 2025

You Might Also Like

Fund supervisor adjustments in 5 schemes of SBI Mutual Fund
Market Analysis

Fund supervisor adjustments in 5 schemes of SBI Mutual Fund

0 Min Read
'Passive investing works nicely for retail traders'
Market Analysis

'Passive investing works nicely for retail traders'

0 Min Read
Letter to A Younger Investor #9: Dwell Your Questions
Market Analysis

Letter to A Younger Investor #9: Dwell Your Questions

16 Min Read
Canadian greenback rebounds from 22-year low on hopes of reprieve from US tariffs
Market Analysis

Canadian greenback rebounds from 22-year low on hopes of reprieve from US tariffs

3 Min Read

Always Stay Up to Date

Subscribe to our newsletter to get our newest articles instantly!

StockWaves

We provide tips, tricks, and advice for improving websites and doing better search.

Latest News

  • About Us
  • Contact Us
  • Privacy Policy
  • Terms Of Service

Resouce

  • Blockchain
  • Business
  • Economics
  • Financial News
  • Global Markets
  • Investment Strategies
  • Market Analysis
  • Trading

Trending

This 26-year-old’s blue-collar enterprise brings in $1.3 million a 12 months
Pibit.AI raises $7M from Stellaris Enterprise Companions to construct trusted AI for the insurance coverage {industry}
RVNL Wins Rs 181 Crore NE Railway Order; Shares Commerce Flat

2024 © StockWaves.in. All Rights Reserved.

Welcome Back!

Sign in to your account

Not a member? Sign Up