The verdict
Gadget lovers aur home appliance buyers ke liye unmatched cashback card. Joining pe milne wale 30,000 welcome points (worth ₹6,000) ₹5,000 fee ko instantly exceed kar dete hain, jabki new Samsung Galaxy phone ya Smart TV khareedne pe seedha ₹5,000 monthly statement cashback milta hai.
₹50,000 ke Samsung electronics lene pe (₹5,000 cashback) + ₹5,000/mo Zomato/Myntra/BigBasket spends pe (₹6,000/yr cashback) + 30k welcome points (₹6,000) + 14 lounges (~₹18,000) milakar ₹5,000 fee ke against saal ka ₹35,000 net value banta hai (7× ROI).
Agar aap sirf Apple ya Sony products buy karte hain, toh 10% Samsung benefit ka use nahi hoga.
✓What works
- +Samsung products (smartphones, tablets, laptops, TVs, ACs, refrigerators, aur service centers) pe 365 days 10% flat cashback.
- +Key lifestyle partners pe 10% cashback: BigBasket, Myntra, Tata 1mg, Urban Company, aur Zomato.
- +30 days mein 3 swipes karne pe 30,000 EDGE points (worth ₹6,000) welcome gift.
- +Saal mein 8 complimentary domestic airport lounges + 6 international lounges via Priority Pass.
- +All other general retail spending pe 15 EDGE points per ₹100 (1.5% return).
- +10% Samsung cashback ke liye koi minimum order value ki condition nahi hai.
✕What doesn't
- −Annual fee of ₹5,000 + GST.
- −Monthly Samsung cashback cap ₹5,000 (annual limit ₹20,000).
- −Partner merchants ka combined monthly cashback cap ₹1,000.
What it earns
Samsung aur partner merchants ka cashback monthly bill mein auto-credit hota hai.
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Samsung Hardware, Appliances & Service Centers | 10.0% Flat Cashback | ₹5,000 / month (₹20,000 / year) | ₹10,000 (Capped at ₹5,000/mo) |
| Partner Brands (Zomato, Myntra, BigBasket, Urban Co, 1mg) | 10.0% Flat Cashback | ₹1,000 / month | ₹10,000 (Capped at ₹1,000/mo) |
| All Other Domestic Retail Spends | 1.5% (15 EDGE / ₹100) | Uncapped | 15,000 EDGE Pts (₹3,000 value) |
| Fuel & Rent | 0% | Excluded | 0 EDGE Pts |
Accelerated earn
10% on Samsung 365 Days & 10% on Zomato / Myntra
Electronics, home appliances, aur delivery apps pe top cashback.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Samsung Official Channels10% on all phones, TVs & appliances. | 10× · 10.0% | ₹5,000 / month (₹20k/yr) | — |
| Partner Merchants10% on Zomato, Myntra, BB, 1mg. | 10× · 10.0% | ₹1,000 / month | — |
Redemption options
Cashback automatically credit card statement mein credit hota hai.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Auto Statement Credit (Samsung / Partners)BEST VALUE | ₹1.00 per ₹1.00 cashback | ₹0 (Auto-credited) | None | Nil |
| Brand Vouchers (EDGE Points) | ₹0.20 / EDGE Point | 500 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Samsung online store (samsung.com/in), Samsung Shop App, aur authorized smart plazas.
- +Zomato, Myntra, BigBasket, Tata 1mg, aur Urban Company.
- +8 domestic aur 6 international airport lounges.
✕Excluded Spends & Fee Traps
- −Third-party unauthorized sellers.
- −Rent payments.
- −Fuel purchases (1% surcharge waiver on ₹400–₹4,000).
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹5,000 + GST (30,000 EDGE Points = ₹6,000 welcome gift) |
| Annual Renewal Fee | ₹5,000 + GST |
| Forex Markup | 3.5% + GST |
| Finance Charges | 3.6% / month (43.2% / year) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age | 21–65 years |
| Salaried Income | ₹1.0 Lakh+ monthly net salary |
| Self-Employed Income | ITR above ₹12.0 Lakhs per annum |
Frequently Asked Questions
Kya Samsung Axis Bank Infinite Credit Card par airport lounge access milta hai?
Samsung Axis Bank Infinite Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Samsung Axis Bank Infinite Credit Card par reward rate aur points ki real rupee value kya hai?
Samsung Axis Bank Infinite Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein Samsung Axis Bank Infinite Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Detailed Overview: Samsung Axis Bank Infinite Credit Card
Samsung Axis Bank Infinite Credit Card ek flagship co-branded tech lifestyle aur consumer electronics credit card hai jo Samsung India ke exclusive partnership mein gadget enthusiasts, tech professionals aur Samsung ecosystem buyers ke liye design kiya gaya hai. Visa Infinite network par ₹5,000 + GST annual fee par aane wale is card mein koi spend-based fee waiver nahi hai; lekin card activation ke first 30 days mein 3 transactions complete karne par 30,000 EDGE Reward points (worth ₹6,000 in catalog redemption) ka welcome gift milta hai jo first-year fee ko day one par complete recover karta hai.
Card ka defining retail superpower iska year-round Samsung benefit hai: Samsung products par 365 days flat 10% direct statement cashback on Samsung.com, Samsung Shop App, aur exclusive Samsung SmartPlaza stores (capped at ₹5,000/month and ₹20,000/year). Additionally cardholders preferred lifestyle partners (Zomato, Myntra, BigBasket, Urban Company, Tata 1mg) par 10% accelerated rewards, 8 domestic airport lounges, aur Priority Pass ke through 6 international airport lounges enjoy karte hain.
Key Privileges aur Everyday Benefits
- 10% Flat Cashback on Samsung Products (365 Days a Year): Samsung.com, Samsung Shop App, aur authorized SmartPlaza stores par Galaxy smartphones, tablets, laptops, QLED TVs aur home appliances par 10% direct statement cashback (capped at ₹5,000/month aur ₹20,000/year).
- Guaranteed 30,000 EDGE Points Welcome Gift: First 30 days mein 3 eligible transactions complete karne par 30,000 bonus EDGE points (worth ₹6,000 in catalog value, exceeding the ₹5,000 joining fee).
- 10% Accelerated Rewards on Preferred Lifestyle Partners: Key consumer apps par 10% accelerated rewards:
- Zomato food delivery.
- Myntra fashion purchases.
- BigBasket grocery orders.
- Urban Company home services.
- Tata 1mg medicines aur diagnostics.
- Dual Domestic & International Airport Lounges:
- Domestic Lounges: Per calendar quarter 2 complimentary visits (annual 8 visits) across Indian airports.
- International Lounges: Per card anniversary year 6 complimentary international lounge visits via Priority Pass.
- General Retail Rewards: Accelerated categories ke bahar other domestic aur international spending par 5 EDGE points per ₹100 (1.0% return).
Important Terms aur Spend Conditions jo Samajhna Zaroori Hai
- No Spend-Based Fee Waiver: ₹5,000 + GST annual fee spend se waive nahi hoti; 30,000 welcome points aur annual ₹20,000 tak Samsung cashback fee ko compensate karte hain.
- Authorized Samsung Channels Only: 10% cashback strictly Samsung.com, Samsung Shop App, aur authorized Samsung SmartPlaza brand stores par Pine Labs POS terminals se hi milta hai; Amazon, Flipkart ya multi-brand retail stores (Croma, Reliance Digital) par 10% offer valid nahi hai.
- Annual Cashback Capping: 10% Samsung cashback per calendar month ₹5,000 aur per card anniversary year ₹20,000 par strictly capped hai.
- Excluded Spend Categories: Fuel, rent payments, wallet reloads, cash advances, utilities, aur government payments par reward points nahi milte.
- DCC Charge 1.0%: International merchants agar INR currency mein bill karein toh 1.0% + GST ka DCC fee lagta hai.
Yeh Card Kinke Liye Best Fit Hai
- Dedicated Samsung Ecosystem Users: Customers jo Galaxy flagship phones, tablets ya consumer home appliances purchase karte hain aur annual ₹20,000 direct statement cashback secure karte hain.
- Gadget Buyers Wanting Day-One Fee Recovery: Spenders jo ₹5,000 joining fee ke against ₹6,000 worth 30,000 welcome points instantly receive karte hain.
- Urban Lifestyle Spenders: Families jo Zomato, Myntra, BigBasket aur Urban Company par 10% rewards ke sath 14 combined airport lounges utilize karti hain.
- Axis Bank & Samsung — Infinite Credit Card schedule of charges
- Samsung India & Axis Bank — 10% 365-day cashback and partner terms
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.