u/bitcorn_shill

I have an Axis Bank Horizon Credit Card (Visa Signature variant) and have an upcoming international departure from Delhi Airport Terminal 3 (T3).

I know the card comes with international lounge access, but I've read conflicting things online about whether a direct card swipe works at T3 International, or if it will get rejected/charged heavily.

Can anyone confirm:

1. Is there an active lounge I can access at T3 International Departures with this card? (Is it the Encalm Lounge?)
2. Do I need to use a specific app to generate a QR code for entry, or do I just swipe the physical card? If it's an app ( how do I set it up to get the QR code for my departure?

Appreciate any help from anyone who has flown international from T3 with this card recently!

I recently received my Axis Bank Horizon Visa credit card and I'm confused about how the international lounge benefit actually works.

I even called Axis Bank customer care, but the customer-care representative themselves weren't sure whether Horizon comes with Priority Pass or how the international lounge access works. 😅

So I wanted to ask people who actually have/use the Horizon:

Do Horizon cardholders get a Priority Pass membership? If yes, how do we receive the membership number and activate it?

If there is no Priority Pass, do we simply use the Horizon credit card directly at international lounges?

How do we know which international lounges are eligible for Horizon before travelling?

Is there any app/website where we can enter the airport and see the eligible lounge?

At the lounge, do we just show the Horizon Visa + boarding pass, or is there some other process?

I'm particularly interested in Hanoi Noi Bai Airport (HAN). Has anyone actually used their Horizon there?

Would really appreciate answers from someone who has personally used Horizon for international lounge access, because even Axis customer care couldn't give me a clear answer. 😅

Individual YouTube creator in India, no company/GSTIN. Paying a Vietnam video production team through Upwork/Contra by international credit card. Income is fully online (YouTube + sponsorships), no cash.

Spend is ~$1,600/month, likely for 6 months and possibly continuing another 6 months after that (so up to ~₹16–18 lakh over the year if it runs the full 12).

For anyone actually doing this:

Does credit card payment to the platform stay outside LRS/TCS right now, or did you get hit with TCS once your annual spend got high?

Did GST reverse charge (RCM) ever come up for you as an unregistered individual?

Anything your bank or CA flagged that I should know before scaling?

Just want to know what to expect before scaling. Will consult a CA too — just want real experiences first. Thanks.

Individual YouTube creator in India, no company/GSTIN. Paying a Vietnam video production team through Upwork/Contra by international credit card. Income is fully online (YouTube + sponsorships), no cash.

Spend is ~$1,600/month, likely for 6 months and possibly continuing another 6 months after that (so up to ~₹16–18 lakh over the year if it runs the full 12).

For anyone actually doing this:

--Does credit card payment to the platform stay outside LRS/TCS right now, or did you get hit with TCS once your annual spend got high?

--Did GST reverse charge (RCM) ever come up for you as an unregistered individual?

--Anything your bank or CA flagged that I should know before scaling?

Just want to know what to expect before scaling. Will consult a CA too — just want real experiences first.

Income is fully online, no cash. Just want to know what to expect before scaling. Thanks.