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Samsung Axis Bank Infinite Credit Card

Samsung Axis Bank Infinite Credit Card

The Samsung Axis Bank Infinite Credit Card is a premium co-branded offering designed to maximize value for high-spenders, particularly those loyal to the Samsung ecosystem. This card provides substantial cashback benefits on Samsung products, combined with an accelerated rewards structure on popular spending categories and international transactions. Targeting users with high spending power, the card bundles luxury travel perks such as extensive domestic and international lounge access and complimentary memberships, justifying its annual fee with comprehensive lifestyle and reward benefits.

Samsung Axis Bank Infinite Credit Card

Samsung Axis Bank Infinite Credit Card
Joining Fees
5000
Annual Fees
5000
Card Type
Rewards
Network Type
Visa

REWARDS & BENEFITS

  • 10% Cashback on Samsung purchases (Smartphones, Tablets, Laptops, TVs, and Services).
  • Samsung cashback capped at ₹5,000 per month and ₹20,000 per annum.
  • 15 EDGE REWARD Points per ₹100 spent on preferred partners: Zomato, BigBasket, Myntra, Tata 1mg, and Urban Company.
  • 15 EDGE REWARD Points per ₹100 spent on International transactions.
  • 5 EDGE REWARD Points per ₹100 spent on other domestic transactions.
  • 8 complimentary domestic airport lounge visits per calendar year (subject to spend criteria).
  • 6 complimentary international lounge visits per year via Priority Pass.
  • Complimentary annual EazyDiner Prime membership for dining discounts.

FEES & CHARGES

  • Finance Charges: 3.75% per month (55.55% per annum).
  • Cash Withdrawal Fee: 2.5% of the amount (Min. ₹500).
  • Foreign Currency Transaction Fee: 3.5% of the transaction value.
  • Reward Redemption Fee: ₹99 per transaction.
  • Late Payment Fee: Up to ₹1,200 (for amounts > ₹10,000).
  • 1% Fuel Surcharge Waiver on transactions between ₹400 and ₹4,000.

PRODUCT DETAILS

  • Cashback Applicability: Valid across Samsung.com, Samsung Shop App, Flipkart, and authorized Samsung Service Centers.
  • Lounge Access Criteria: Requires a minimum spend of ₹50,000 in the previous 3 months.
  • Exclusions: Rent, Wallet, Fuel, and Utility transactions do not earn Reward Points.
  • Over-and-above offers: 10% cashback is applicable even on existing Samsung offers.

PROS & CONS

  • High 10% cashback on Samsung products year-round.
  • Accelerated rewards on popular apps like Zomato and Myntra.
  • Comprehensive travel suite including international lounge access.
  • High annual fee of ₹5,000.
  • High spend threshold of ₹7 Lakhs for fee waiver.
  • Capped benefits on monthly Samsung cashback.

ELIGIBILITY CRITERIA

  • The primary applicant must be between 18 and 70 years of age.
  • The applicant must be a resident of India.
  • Possession of a PAN card and valid income proof (Salaried or Self-employed).

WELCOME BENEFITS

  • 30,000 EDGE Reward Points upon completing 3 transactions of any value within 30 days of card issuance.
  • Complimentary 1-year EazyDiner Prime membership.

CARD REVIEW

The Samsung Axis Bank Infinite Credit Card is a specialized tool best suited for high-income individuals who are deeply integrated into the Samsung ecosystem. It offers exceptional value for money during the first year, as the welcome reward points (valued at approximately ₹6,000) more than offset the joining fee. The card shines for those who spend heavily on international travel or frequently use apps like Zomato and Myntra.

However, the card’s limitations are evident in its restrictive capping; the ₹20,000 annual limit on Samsung cashback means the 10% benefit stops after ₹2 Lakhs of spending. Additionally, the ₹7 Lakh annual spend requirement for a fee waiver is one of the highest in its category. For a tech-savvy user who plans their gadget upgrades and values premium lounge access, this card remains a top-tier choice despite these caps.

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