{
  "id": "axis-samsung-infinite-credit-card",
  "locale": "en",
  "name": "Samsung Axis Bank Infinite Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "premium",
  "annualFee": "₹5,000 + GST",
  "loungeAccess": "8 Domestic & 6 International Lounges / year",
  "rewardsRate": "10% on Samsung 365 Days (₹20k/yr cap) · 10% Zomato, Myntra, BigBasket · 14 Lounges",
  "bestFor": "Samsung ecosystem buyers, gadgets, electronics, Myntra/Zomato orders & global lounges",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/samsung-axis-bank-infinite-credit-card",
  "aiVerdict": {
    "score": 6.3,
    "summary": "Its strong reward rate offset limited lounge access.",
    "tradeOffs": [
      "High annual fee (₹5000) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 10,
  "affiliateId": "axis-samsung-infinite-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "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": [
    "Axis Bank & Samsung — Infinite Credit Card schedule of charges",
    "Samsung India & Axis Bank — 10% 365-day cashback and partner terms"
  ],
  "feeWaiver": "No spend waiver (30,000 EDGE Points = ₹6,000 welcome gift offsets fee)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Samsung Cashback",
      "value": "10% Flat 365 Days (₹20k/yr)"
    },
    {
      "key": "Partner Brands",
      "value": "10% on Zomato, Myntra, BB"
    },
    {
      "key": "Welcome Gift",
      "value": "30k EDGE Pts (₹6,000 value)"
    },
    {
      "key": "Global Lounges",
      "value": "8 Domestic + 6 Intl"
    },
    {
      "key": "General Spends",
      "value": "15 EDGE / ₹100 (1.5%)"
    },
    {
      "key": "Annual Fee",
      "value": "₹5,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Samsung Hardware, Appliances & Service Centers",
      "rate": "10.0% Flat Cashback",
      "monthlyCap": "₹5,000 / month (₹20,000 / year)",
      "perLakhSpent": "₹10,000 (Capped at ₹5,000/mo)"
    },
    {
      "category": "Partner Brands (Zomato, Myntra, BigBasket, Urban Co, 1mg)",
      "rate": "10.0% Flat Cashback",
      "monthlyCap": "₹1,000 / month",
      "perLakhSpent": "₹10,000 (Capped at ₹1,000/mo)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "1.5% (15 EDGE / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "15,000 EDGE Pts (₹3,000 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 EDGE Pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Samsung Official Channels",
      "multiplier": "10×",
      "rate": "10.0%",
      "monthlyCap": "₹5,000 / month (₹20k/yr)",
      "dailyCap": "—",
      "note": "10% on all phones, TVs & appliances."
    },
    {
      "channel": "Partner Merchants",
      "multiplier": "10×",
      "rate": "10.0%",
      "monthlyCap": "₹1,000 / month",
      "dailyCap": "—",
      "note": "10% on Zomato, Myntra, BB, 1mg."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Auto Statement Credit (Samsung / Partners)",
      "value": "₹1.00 per ₹1.00 cashback",
      "minPoints": "₹0 (Auto-credited)",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Brand Vouchers (EDGE Points)",
      "value": "₹0.20 / EDGE Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Third-party unofficial resellers.",
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000)."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹5,000 + GST (30,000 EDGE Points = ₹6,000 welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹5,000 + GST"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹1.0 Lakh+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹12.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}