The verdict
An absolute powerhouse for tech enthusiasts and home appliance buyers. The 30,000 welcome points (₹6,000 value) instantly cover the ₹5,000 joining fee, while buying a Samsung Galaxy flagship phone or OLED TV yields an effortless ₹5,000 instant statement cashback.
Buying ₹50,000 in Samsung electronics (₹5,000 cashback) + spending ₹5,000/mo on Zomato/Myntra/BigBasket (₹6,000/yr cashback) + 30k welcome points (₹6,000) + 14 airport lounges (~₹18,000) generates ₹35,000 in annual net value against ₹5,000 fee (7× ROI).
For spenders who purchase Apple, OnePlus, or Sony electronics exclusively, the 10% Samsung hardware discount is unusable.
✓What works
- +10% flat cashback across all 365 days on all Samsung products (smartphones, tablets, laptops, TVs, refrigerators, washing machines, and official service centers).
- +10% cashback on key lifestyle partners: BigBasket, Myntra, Tata 1mg, Urban Company, and Zomato.
- +30,000 EDGE Reward points (worth ₹6,000) welcome gift upon completing 3 transactions within 30 days.
- +8 complimentary domestic airport lounges + 6 international lounges via Priority Pass.
- +15 EDGE Reward points per ₹100 (1.5% return) on all other general retail spending.
- +No minimum transaction amount required for 10% Samsung cashback.
✕What doesn't
- −Annual fee of ₹5,000 + GST.
- −Monthly Samsung cashback capped at ₹5,000 (annual cap of ₹20,000).
- −Combined partner cashback pool capped at ₹1,000 per month.
What it earns
Cashback earned on Samsung and partner merchants is directly adjusted in the monthly billing statement.
| Category | 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
Earn maximum cashback on gadgets, appliances, and daily delivery apps.
| 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
Samsung & partner cashback is auto-credited to the monthly card statement.
| 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, and authorized offline smart plazas.
- +Zomato, Myntra, BigBasket, Tata 1mg, and Urban Company.
- +8 domestic and 6 international airport lounges.
✕Excluded Spends & Fee Traps
- −Third-party unofficial resellers.
- −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
Does Samsung Axis Bank Infinite Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for Samsung Axis Bank Infinite Credit Card?
What is the reward rate and point redemption value on Samsung Axis Bank Infinite Credit Card?
Which transactions are excluded from earning rewards on Samsung Axis Bank Infinite Credit Card?
Who is Samsung Axis Bank Infinite Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: Samsung Axis Bank Infinite Credit Card
The Samsung Axis Bank Infinite Credit Card is a flagship co-branded tech lifestyle and consumer electronics credit card, crafted in exclusive alliance with Samsung India for gadget enthusiasts, technology professionals, and Samsung ecosystem loyalists. Issued on the Visa Infinite network at an annual fee of ₹5,000 + GST with zero spend waiver, the card completely offsets its annual cost right from day one by granting an upfront welcome gift of 30,000 EDGE Reward points (worth ₹6,000 in catalog redemption) upon card activation.
The card is distinguished by an unprecedented retail perk: 10% flat cashback across Samsung products year-round (365 days) on purchases made via Samsung.com, Samsung Shop App, and exclusive Samsung SmartPlaza brand stores, capped at ₹5,000 per month and ₹20,000 per year. Additionally, cardholders enjoy 10% accelerated rewards on preferred lifestyle partners (Zomato, Myntra, BigBasket, Urban Company, Tata 1mg), 8 domestic airport lounges, and 6 international airport lounges via Priority Pass.
Key Privileges and Practical Everyday Benefits
- 10% Flat Cashback on Samsung Products (365 Days a Year): Earn 10% direct statement cashback on Galaxy flagship smartphones, tablets, laptops, QLED televisions, and home appliances bought via Samsung.com, the Samsung Shop App, and exclusive brand stores (capped at ₹5,000/month and ₹20,000/year).
- Guaranteed 30,000 EDGE Points Welcome Gift: Receive 30,000 bonus EDGE Reward points credited upon completing your first 3 eligible transactions within 30 days of card issuance (worth ₹6,000 in catalog value, immediately recovering the ₹5,000 joining fee).
- 10% Accelerated Rewards on Preferred Lifestyle Partners: Earn 10% valueback across essential urban daily apps:
- Food delivery on Zomato.
- Fashion shopping on Myntra.
- Grocery orders on BigBasket.
- Home services on Urban Company.
- Prescriptions and healthcare on Tata 1mg.
- Comprehensive Airport Lounge Privileges:
- Domestic Airport Lounges: 2 complimentary visits per calendar quarter (8 visits/year) at participating lounges across India.
- International Airport Lounges: 6 complimentary international lounge visits per card anniversary year via Priority Pass.
- Everyday Retail Rewards: Earn 5 EDGE Reward points per ₹100 spent on all general domestic and international retail shopping outside the accelerated partner categories (1.0% return).
Important Terms and Spend Conditions to Keep in Mind
- No Spend-Based Fee Waiver: The ₹5,000 + GST annual renewal fee cannot be waived through spending; the 30,000 welcome points and annual Samsung cashback caps offset the fee.
- Authorized Samsung Purchase Channels: The 10% Samsung cashback applies exclusively to transactions made via Samsung.com, the Samsung Shop App, and authorized Samsung SmartPlaza offline stores through dedicated Pine Labs POS terminals; purchases via third-party marketplaces (Amazon, Flipkart) or multi-brand retail stores (Croma, Reliance Digital) do not qualify for the 10% cashback.
- Cashback Annual Ceiling: The 10% Samsung cashback is capped strictly at ₹5,000 per calendar month and ₹20,000 per card anniversary year.
- Excluded Spend Categories: Fuel purchases, rent payments, wallet reloads, cash advances, utilities, and government services do not earn reward points.
- Dynamic Currency Conversion (DCC) Fee: A 1.0% + GST markup applies on foreign transactions processed in INR by overseas merchants.
Who Benefits Most
- Dedicated Samsung Ecosystem Users: Tech enthusiasts and families purchasing flagship Galaxy smartphones (S-series, Foldables), Galaxy Books, or home appliances, extracting up to ₹20,000 in pure statement cashback annually.
- Gadget Shoppers Upfront Recovering Fees: Buyers who easily recover the ₹5,000 joining fee through the ₹6,000 welcome points credit on day one.
- Urban Lifestyle Spenders: Cardholders who regularly use Zomato, Myntra, BigBasket, and Urban Company to maximize 10% accelerated rewards alongside 14 combined airport lounges.
- Axis Bank & Samsung — Infinite Credit Card schedule of charges
- Samsung India & Axis Bank — 10% 365-day cashback and partner terms
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).