Axis

Axis Samsung Infinite Credit Card

This is an invite only card

Apply and get ₹1400 Rewards

Top Benefits

Earn 10% Cashback on Samsung Purchases

including EMI Transactions, capped at ₹5,000 per month & ₹20,000 per year

Enjoy 8 Complimentary Domestic Lounge visits

per calendar year on spending ₹50,000 in previous 3 months, at select airports

Best For

Shopping

Dining

Travel

The Axis Samsung Infinite Credit Card is a premium co-branded card from Axis Bank built around Samsun...

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The Axis Samsung Infinite Credit Card is a premium co-branded card from Axis Bank built around Samsung purchases and accelerated rewards on lifestyle merchants. Issued on the Visa network, it carries a ₹5,000 joining fee and a ₹5,000 annual fee, with the annual fee waivable on annual spends of ₹7,00,000 or more.

The card delivers 10% cashback on Samsung purchases (including EMI), capped at ₹5,000 per month and ₹20,000 per year. Eligible Samsung purchase channels include Samsung eStore, Samsung Shop App, and physical stores via Brand EMI on Pinelabs/Benow POS. Flipkart purchases are excluded from cashback (effective December 2024), and Amazon purchases are excluded (effective January 2026).

Beyond Samsung, the card offers 15X EDGE Reward Points on preferred partner merchants including Bigbasket, Tata 1mg, UrbanCompany, Myntra, and Zomato. This is among the highest accelerated earn rates on lifestyle merchants in the Indian credit card market.

Eligibility requires applicants to be between 21 and 70 years of age, with a minimum annual income of ₹6 LPA for both salaried and self-employed (₹50,000 monthly). CIBIL score requirement is 720 or above. The broad age range up to 70 makes this card accessible to senior professionals.

Welcome benefits are exceptional: 30,000 EDGE Reward Points on completing 3 transactions of any value within 30 days of card issuance. At ₹0.20 per point, this is worth ₹6,000, more than offsetting the ₹5,000 joining fee.

Travel benefits include 8 complimentary domestic lounge visits per calendar year (subject to ₹50,000 spend in previous 3 months), complimentary Priority Pass membership with 6 international lounge visits annually, and a low forex markup of just 1.99% on international transactions.

The 1.99% forex markup is rare for a co-branded card. Most cards in this fee tier charge 3.5%, so the Axis Samsung Infinite delivers meaningful forex savings for occasional international spenders.

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Commonly Asked Questions

Q. What is the joining fee?

A. The joining fee is ₹5,000 plus applicable GST, offset by 30,000 EDGE Reward Points (worth ₹6,000) on welcome activation.

Q. Can the annual fee be waived?

A. Yes, on annual spends of ₹7,00,000 or more.

Q. What is the Samsung cashback structure?

A. 10% cashback on Samsung purchases (including EMI), capped at ₹5,000 per month and ₹20,000 per year.

Expert Review

The Axis Samsung Infinite is one of the most rewarding lifestyle-and-electronics cards in the Indian market. The combination of 10% Samsung cashback, 15X partner rewards, 1.99% forex markup, and complimentary Priority Pass make this card competitive with premium cards costing twice the fee.

For a user buying a ₹50,000 Samsung product annually and spending ₹15,000 monthly across the 5 partner merchants (₹1.8 lakh annually), the card delivers ₹5,000 (Samsung) + ₹5,400 (partner rewards at 3%) = ₹10,400 in annual returns just from the accelerated categories.

The 1.99% forex markup is genuinely best-in-class for a co-branded card. The 0% interest cash advance feature (up to 45 days) is also unique and useful for emergency liquidity.

The card has limitations. The ₹7 lakh annual fee waiver threshold is high for moderate users. Non-Samsung EMI transactions are excluded from rewards. Flipkart was excluded from cashback in Dec 2024 and Amazon in Jan 2026, narrowing the eligible channels.

Our recommendation: get this card if you regularly buy Samsung products and use the 5 partner merchants. For moderate Samsung users, the card pays for itself easily. For users without Samsung loyalty, consider the Axis Magnus or HDFC Diners ClubMiles for broader value.

Joining / Annual Fee

Joining Fees

₹5,900 ( ₹5000 + GST )

logo 30,000 EDGE Reward points on completing 3 transactions within 30 days of card issuance.

Annual Fees

₹5,900 ( ₹5000 + GST )

logo The annual fee is waived if you spend ₹700000 or more in a year on your card, as per bank policy.

Joining fee is ₹5,000 plus GST, offset by 30,000 welcome EDGE Points (worth ₹6,000). Annual fee is ₹5...

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Joining fee is ₹5,000 plus GST, offset by 30,000 welcome EDGE Points (worth ₹6,000). Annual fee is ₹5,000 plus GST from year two, waivable on ₹7,00,000 annual spend.

GST at 18% applies, so the total first-year cost is ₹5,900. The annual fee from year two, if not waived, is also ₹5,900.

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Commonly Asked Questions

Q. What is the joining fee?

A. ₹5,000 plus 18% GST, totalling ₹5,900.

Q. How can the annual fee be waived?

A. On annual spends of ₹7,00,000 or more.

Q. Is the joining fee offset?

A. Yes, the welcome 30,000 EDGE Points (₹6,000) more than offset the joining fee.

Q. Is GST applicable?

A. Yes, 18% GST applies.

Eligibility

Age
Criteria*

21-70 years

Salary
Criteria*

6LPA

Credit
Rating*

720+

New to credit
allowed

Yes

Existing Bank
Customer Allowed

Yes

Applicants must be between 21 and 70 years of age. The minimum annual income is ₹6 LPA for both salar...

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Applicants must be between 21 and 70 years of age. The minimum annual income is ₹6 LPA for both salaried and self-employed (₹50,000 monthly).

A CIBIL score of 720 or above is required. Axis Bank also considers credit behaviour and payment history.

You must be a resident Indian citizen with valid PAN, Aadhaar, and address proof.

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Commonly Asked Questions

Q. What is the minimum income?

A. ₹6 LPA for both salaried and self-employed.

Q. What CIBIL score is needed?

A. 720 or above.

Q. Is the card available to senior citizens?

A. Yes, the age limit of 70 makes this accessible to senior professionals.

Q. Are NRIs eligible?

A. No, only resident Indian citizens.

See if you are eligible for this card

All Card Benefits

30,000 EDGE Reward Points on activation — just complete 3 transactions of any value in 30 days
10% cashback on Samsung purchases including EMI, capped at ₹5,000/month and ₹20,000/year
15X EDGE Reward Points on Bigbasket, Tata 1mg, UrbanCompany, Myntra, and Zomato

The card stacks benefits across Samsung purchases, partner merchants, travel, and lifestyle categorie...

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The card stacks benefits across Samsung purchases, partner merchants, travel, and lifestyle categories.

The flagship Samsung benefit delivers 10% cashback on purchases (including EMI transactions) at Samsung eStore, Samsung Shop App, and physical stores via Brand EMI on Pinelabs/Benow POS. Monthly cap is ₹5,000, annual cap is ₹20,000. Note that Flipkart purchases were excluded from cashback effective December 2024, and Amazon purchases are excluded effective January 2026.

For a user buying a Samsung Galaxy phone worth ₹50,000, the card delivers ₹5,000 cashback (full monthly cap), an effective 10% return that beats most co-branded electronics cards in the Indian market.

The 15X EDGE Reward Points on preferred partners is another standout feature. You earn 15 EDGE Points per ₹100 on Bigbasket, Tata 1mg, UrbanCompany, Myntra, and Zomato. At ₹0.20 per point, this equates to 3% effective return on these lifestyle merchants, which is competitive with category-leading lifestyle cards.

Welcome benefits include 30,000 EDGE Reward Points upon completing 3 card transactions of any value within 30 days of card issuance. Points take up to 60 days from the date of the 3rd transaction to reflect in your EDGE Rewards account. This benefit is available once per cardholder.

Travel benefits include 8 complimentary domestic lounge visits per calendar year (subject to minimum spend of ₹50,000 in previous 3 months) and complimentary Priority Pass membership with 6 international lounge visits annually.

Dining benefits include up to 25% off (max ₹800) once per month at 4,000+ restaurants in India through the EazyDiner platform. Complimentary 1-year EazyDiner Prime membership upon activation of card within 30 days of issuance. Minimum order for 15% off is ₹500.

The forex markup is 1.99% on all international transactions, including those conducted in Indian rupees abroad. This is significantly better than the 3.5% on most premium cards.

Fuel surcharge waiver is 1% up to ₹500 per statement, valid on transactions between ₹400 to ₹5,000.

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Commonly Asked Questions

Q. What is the welcome benefit?

A. 30,000 EDGE Reward Points (worth ₹6,000) on completing 3 transactions of any value within 30 days of card issuance.

Q. What channels qualify for Samsung cashback?

A. Samsung eStore, Samsung Shop App, and physical stores via Brand EMI on Pinelabs/Benow POS. Flipkart (from Dec 2024) and Amazon (from Jan 2026) are excluded.

Q. What are the 15X partner merchants?

A. Bigbasket, Tata 1mg, UrbanCompany, Myntra, and Zomato. You earn 15 EDGE Points per ₹100 on these merchants.

Q. What is the forex markup?

A. 1.99% on all international transactions, including those charged in Indian rupees abroad. Significantly better than the 3.5% standard.

Q. How many lounge visits are included?

A. 8 domestic lounge visits per year (subject to ₹50,000 spend in prior 3 months) and 6 international via complimentary Priority Pass.

Q. What are dining benefits?

A. Up to 25% off (max ₹800) once per month at 4,000+ restaurants via EazyDiner, plus 1-year EazyDiner Prime membership.

Q. Is there a fuel surcharge waiver?

A. Yes, 1% up to ₹500 per statement on transactions between ₹400 and ₹5,000.

How to Redeem Rewards & Cashback?

Rewards Conversion Rate

1 Reward Point = ₹0.20

Redemption Options

Axis Bank Mobile App: EDGE Reward Points
Online Portal

To check redemption catalogue

Click Here

Samsung cashback (10%) is auto-credited as statement credit. EDGE Reward Points are redeemed through ...

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Samsung cashback (10%) is auto-credited as statement credit. EDGE Reward Points are redeemed through the Axis EDGE Rewards portal at edgerewards.axisbank.in.

1 EDGE Reward Point = approximately ₹0.20 across the EDGE catalogue. You can redeem for e-vouchers, products, travel, and partner airline transfers.

Reward redemption fee is ₹99 plus GST per redemption request (for EDGE Points). Samsung cashback auto-credits at no fee.

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Commonly Asked Questions

Q. How is Samsung cashback credited?

A. Auto-credited as statement credit, with no manual redemption required.

Q. What is the EDGE Points redemption value?

A. Approximately ₹0.20 per EDGE Reward Point.

Q. Is there a redemption fee?

A. Yes, ₹99 plus GST per EDGE Points redemption. Samsung cashback auto-credits with no fee.

Gift card - Key Terms

Once you apply, we will start tracking your application

Generally takes 2-72 hrs

Once the bank confirms us of your successful card activation, we will process your rewards

Generally takes 7-75 days

You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards

Generally takes 7-75 days

Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.

Rewards Related

If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
Please use Aadhaar linked mobile number to fill the application
If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also, Remember

Resume your application only via Great.Cards to avoid losing Rewards
If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel Spends

Wallet Loads

Jewellery Purchases

Government Services Payments

Education Spends

Telecom & Utility Payments

Rent Payment

Insurance Services

Financial Institutions

Cash Advances

EMI transactions on non-Samsung purchases

Purchases converted to EMI post facto on non-Samsung spends

For Spends Waiver

Fuel Spends

Wallet Loads

Jewellery Purchases

Government Services Payments

Education Spends

Telecom & Utility Payments

Rent Payment

Insurance Services

Financial Institutions

Cash Advances

EMI transactions on non-Samsung purchases

Purchases converted to EMI post facto on non-Samsung spends

Excluded categories from EDGE Reward Points: fuel spends, wallet loads, jewellery purchases, governme...

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Excluded categories from EDGE Reward Points: fuel spends, wallet loads, jewellery purchases, government services payments, education spends, telecom and utility payments, rent payment, insurance services, financial institutions, cash advances, EMI transactions on non-Samsung purchases, and purchases converted to EMI post facto on non-Samsung spends.

So while Samsung EMI transactions earn full cashback, non-Samsung EMI is excluded. This is a meaningful distinction for users who frequently convert large purchases to EMI.

Refer to the latest MITC for the full exclusion list.

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Commonly Asked Questions

Q. Are non-Samsung EMI transactions excluded?

A. Yes, EMI transactions on non-Samsung purchases (pre or post-facto conversion) are excluded from rewards.

Q. Are utility payments excluded?

A. Yes, telecom and utility payments are excluded.

Q. Do rent payments earn rewards?

A. No, rent payments are excluded.

Bank Fee Structure

Structure	Details
Forex Markups 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50%
APR Fees 3.5% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases.	3.75%
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500.	2.50%
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.	₹99
Link for all T&Cs	Click Here
Railway Surcharge 1% of the transaction amount + GST will be charged on Railway Ticket Purchases	1%
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal.	2%
Cash Payment Fees A fee of ₹175 is charged for payments made by depositing cash at a bank branch or ATM.	₹175

Late Payment Fees	Amount Due
₹0 - ₹500	₹0
₹501 - ₹5,000	₹500
₹5,001 - ₹10,000	₹750
Above ₹10,000	₹1,200

Joining fee ₹5,000 plus GST. Annual fee ₹5,000 plus GST from year two, waivable on ₹7,00,000 annual s...

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Joining fee ₹5,000 plus GST. Annual fee ₹5,000 plus GST from year two, waivable on ₹7,00,000 annual spend.

Forex markup is 1.99% on all international transactions, significantly better than the 3.5% standard.

APR ranges from 0.71% to 3.85% per month (dynamic, 8.5% to 46.2% per annum).

Cash advance fee is ₹199 per domestic withdrawal, with 0% interest until the due date (up to 45 days). This is unusual: most cards charge 2.5% plus immediate interest.

Reward redemption fee is ₹99 plus GST per redemption (for EDGE Points). Samsung cashback auto-credits at no fee.

Railway surcharge is 1% of transaction amount. Rent payment processing charge is 1% of transaction.

Cheque payment charge is not applicable on this card. Cash payment at branch is not applicable per source.

Late payment charges are calculated as 15% of the Total Amount Due from the previous statement minus payments received before due date, with minimum ₹100 and maximum ₹1,300.

Fee Type	Amount
Joining Fee	₹5,000 + GST
Annual Fee	₹5,000 + GST (waived ₹7L)
Forex Markup	1.99%
APR	0.71% to 3.85% per month
Cash Advance Fee	₹199 per transaction (0% interest 45 days)
Reward Redemption Fee	₹99 + GST per redemption
Railway Surcharge	1% of transaction
Rent Payment Charge	1% of transaction
Cheque Payment Charge	Not Applicable
Cash Payment at Branch	Not Applicable
Late Payment Charges	15% of TAD (min ₹100, max ₹1,300)

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Commonly Asked Questions

Q. What is the interest rate?

A. Dynamic, ranging from 0.71% to 3.85% per month (8.5% to 46.2% per annum).

Q. What is the forex markup?

A. 1.99% on all international transactions, including those in Indian rupees abroad.

Q. How is the late payment fee calculated?

A. 15% of the Total Amount Due minus payments received before due date, with minimum ₹100 and maximum ₹1,300.

Q. What is the cash advance fee structure?

A. ₹199 per domestic withdrawal with 0% interest until the due date (up to 45 days), unusually friendly for cash advances.

Q. Is there a redemption fee?

A. Yes, ₹99 plus GST per EDGE Points redemption. Samsung cashback auto-credits with no fee.

Q. What is the railway surcharge?

A. 1% of transaction amount on railway ticket purchases.

Documents Required

Identity proof: PAN plus Aadhaar, Voter ID, passport, or driving licence. Address proof: Aadhaar with current address, utility bills, rental agreement, passport, or driving licence.

Income proof for salaried: last 3 months' salary slips and 6 months' bank statement. Self-employed: last 2 years' ITR, business bank statement, and proof of business existence.

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Commonly Asked Questions

Q. Is PAN mandatory?

A. Yes.

Q. What income proof is needed for salaried?

A. Last 3 months' salary slips and 6 months' bank statement.

Q. What income proof is needed for self-employed?

A. Last 2 years' ITR, business bank statement, and proof of business existence.

Who Should Get This Card?

The Axis Samsung Infinite is built for Samsung loyalists and users with significant spending on Bigbasket, Tata 1mg, UrbanCompany, Myntra, and Zomato. A typical user buys a Samsung phone or appliance once a year (worth ₹30,000+) and spends ₹15,000+ monthly across the 5 partner merchants.

For Samsung purchases, the 10% cashback is genuinely category-leading. A user buying a ₹50,000 Samsung Galaxy phone gets ₹5,000 cashback (capped monthly), which is more than the annual fee in a single transaction.

For lifestyle spends, the 15X EDGE Points on the 5 partner merchants delivers 3% effective return, which is competitive with the best lifestyle cards in India.

The 1.99% forex markup adds significant value for international travellers, making this card a strong dual-purpose product (lifestyle + travel).

This card is not the right pick if you don't buy Samsung products or don't use the 5 partner merchants regularly. The ₹5,000 annual fee with ₹7 lakh waiver threshold makes the card economically demanding for moderate users. For lower-spending users, the Axis Magnus, Tata Neu Infinity, or HDFC Diners ClubMiles may deliver more total value.

Credit Limit and What to Expect

The credit limit depends on income, CIBIL score, and existing obligations. For ₹6 to ₹15 LPA income profiles, typical starting limits range from ₹1,50,000 to ₹5,00,000.

Axis offers enhancements after 6 to 12 months of regular usage. Cash advance limit is usually 20% to 40% of total limit.

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Commonly Asked Questions

Q. What credit limit can I expect?

A. ₹1,50,000 to ₹5,00,000 for ₹6 to ₹15 LPA income.

Q. When can I request an increase?

A. After 6 to 12 months of regular usage.

Q. What is the cash advance limit?

A. 20% to 40% of total credit limit.

How to Apply?

Apply through the Axis Bank website, Samsung's credit card partner section, partner platforms like BankKaro, or by visiting any Axis branch.

Online application via axisbank.com is the most common route. Fill in PAN, Aadhaar, employment type, and monthly income. Upload digital copies of PAN, Aadhaar, income proof, and address proof.

Axis runs bureau and internal verification. Initial decision in 1 to 3 working days. Physical card dispatched within 7 to 10 working days.

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