Deep-Dive Review: Samsung Axis Bank Infinite Credit Card

Community Verdict

[!NOTE] DISCONTINUED — Sourcing Stopped: The official Axis Bank page clearly states “We are currently not accepting applications for SAMSUNG AXIS BANK INFINITE Credit Card.” For record purposes, this was a Visa Infinite card with 10% cashback on Samsung purchases (capped ₹5,000/month, ₹20,000/year), 15 EDGE REWARDS per ₹100 on preferred partners (bigbasket, Tata1mg, UrbanCompany, Myntra, Zomato) and on international transactions, plus 8 domestic + 6 international Priority Pass lounge visits per year. Welcome benefit was 30,000 EDGE points (₹6,000) on 3 transactions within 30 days. Annual fee ₹5,000, waived on ₹7L spend. Domestic lounge access requires ₹50K minimum spend in previous 3 months (effective May 01, 2024). Existing cardholders retain benefits; new applications are no longer accepted.

Pros

• 10% Samsung Cashback: Up to 10% cashback on Samsung purchases including EMI (capped ₹5,000/month, ₹20,000/year — credited to statement).
• 15 EDGE REWARDS on Preferred Partners: bigbasket, Tata1mg, UrbanCompany, Myntra, Zomato — 15 RP per ₹100 (~3% effective return).
• 15 EDGE REWARDS on International: Same 15 RP/₹100 on all international transactions (offset by 3.5% forex markup).
• 30,000 EDGE Welcome: Worth ₹6,000 on completion of 3 transactions within 30 days of card issuance.
• Complimentary Priority Pass: Worth $99, with 6 international lounge visits/year.
• 8 Domestic Lounge Visits/Year: 2 per quarter at select domestic airports (subject to ₹50K spend gate in previous 3 months).
• Annual Fee Waiver on ₹7L Spend: Reverses the ₹5,000 fee.
• 1% Fuel Surcharge Waiver: ₹400–₹5,000 transactions, max ₹500/statement.
• Dining Delights: 15% off up to ₹500, once/month at 4,000+ partner restaurants.
• Complimentary EazyDiner Prime: 1-year membership on card activation within 30 days of issuance.
• Fraud Liability Cover: Up to ₹50,000.
• EMI Conversion: Purchases of ₹2,500+ convertible to EMI.

Cons

• ⚠️ DISCONTINUED FOR NEW APPLICATIONS: Axis Bank page explicitly states “We are currently not accepting applications” — only existing customers retain it.
• Domestic Lounge Spend Gate: ₹50,000 minimum eligible spend in previous 3 months required (effective May 01 2024).
• Samsung Cashback Caps Are Tight: ₹5,000/month and ₹20,000/year — heavy Samsung spenders hit the ceiling fast.
• High Annual Fee Waiver Threshold: ₹7L annual spend is steep; excludes rent (MCC 6513) and wallet (MCC 6540).
• Reward Redemption Fees: ₹99 per EDGE platform redemption; ₹199 per partner transfer.
• High Forex Markup 3.5% + 1.5% DCC: Erodes 15 RP/₹100 international reward value.
• No International Travel Insurance: Lost baggage, flight delay, etc. all null.
• No Cashback on Fuel: Just 1% surcharge waiver.
• Multiple 1% Surcharges: Rent, utilities ≥₹25K/cycle, fuel ≥₹50K/cycle, wallet ≥₹10K/cycle, education via 3rd party, gaming ≥₹10K/cycle.
• Cash Withdrawal Strict: 2.5% fee (Min ₹500).
• Welcome Benefit Conditional: Only on completion of 3 transactions within 30 days.
• No Premium Concierge: No dedicated phone/email support despite premium positioning.
• No Milestone Bonuses: No annual milestone vouchers (typical of premium cards).

Reward Spends & Categories

Category Spend	Earning Rate / Reward Points
📱 Samsung Purchases (incl. EMI)	10% Cashback (capped ₹5,000/month, ₹20,000/year — statement credit)
🛒 Preferred Partners (bigbasket, Tata1mg, UrbanCompany, Myntra, Zomato)	15 EDGE REWARD Points per ₹100 (~3% effective return)
🌐 International Transactions	15 EDGE REWARD Points per ₹100
🛍️ All Other Retail (domestic)	5 EDGE REWARD Points per ₹100
🍽️ Dining (4,000+ partner restaurants)	5 EDGE REWARDS + 15% off up to ₹500/month (min order ₹2,500)
🎬 Movies / Entertainment	5 EDGE REWARDS per ₹100
🥦 Groceries / Online Shopping	5 EDGE REWARDS per ₹100
💡 Utilities	0% (1% fee on cumulative ≥₹25,000/statement cycle)
🏠 Rent (MCC 6513)	0% (1% fee per transaction)
⛽ Fuel	0% (1% surcharge waiver ₹400–₹5,000; max ₹500/statement)
💳 Wallet Load (MCC 6540)	0% (1% fee on cumulative ≥₹10,000/statement cycle)
🏛️ Government & Tax	0% (Excluded)
🎓 Education (3rd-party apps)	0% (1% fee applicable)
🎮 Online Skill-Based Gaming	0% (1% fee on cumulative ≥₹10,000/statement cycle)
🛡️ Insurance	0% (Excluded)
💳 EMI Conversion (post-conversion)	0% (cashback clawed back)

Reward Point Redemption

EDGE REWARD Points (not SmartBuy). Redemption options:

• EDGE REWARDS platform — Vouchers, products, statement credit (₹0.20/point value)
• Partner loyalty program transfers — airlines, hotels (₹199 fee per transfer)
• Cash via EDGE platform — ₹99 fee per transaction

[!IMPORTANT] Best value is voucher redemption at ₹0.20 per EDGE REWARD Point. Partner transfers incur ₹199 fee per transaction — only worth it for large batches.

Annual Milestones & Welcome Benefit

[!IMPORTANT]

• Welcome Benefit: 30,000 EDGE REWARD Points (worth ₹6,000 in vouchers) on completion of 3 transactions within 30 days of card issuance date.
• No Annual Milestone Bonuses: Unlike most premium Axis cards, this card has NO quarterly or annual milestone vouchers.
• Annual Fee Waiver: ₹5,000 reversed on ₹7L annual spend (excludes rent MCC 6513 and wallet MCC 6540).

Airport Lounge & Travel Perks

[!IMPORTANT]

• Domestic Lounges: 8 complimentary visits per calendar year (2 per quarter) at select domestic airports. Spend gate: ₹50,000 minimum eligible spend in previous 3 months (effective May 01, 2024).
• International Lounges: Complimentary Priority Pass membership (worth $99) with 6 international lounge visits per year.
• Priority Pass: Yes — included with the card.
• Visit Allocation: 2 domestic visits per quarter; 6 international visits per calendar year aggregate.
• Travel Insurance: Fraud Liability Cover ₹50,000 only. No air accident, baggage, or flight delay cover.

Fees & Charges — Snapshot

Fee / Charge	Amount
Joining Fee	₹5,000
Annual Fee (Year 1)	₹5,000
Annual Fee (Year 2 onwards)	₹5,000 (waived on ₹7L annual spend)
Add-on Card Fee	Nil
Foreign Currency Markup	3.5% + 1.5% DCC
Cash Withdrawal Fee	2.5% (Min ₹500)
Cash Payment Fee	₹175
Reward Redemption Fee	₹99 per EDGE platform cash; ₹199 per partner transfer
Finance Charges	3.75% per month (55.55% p.a.)
Fuel Surcharge	1% (waived ₹400–₹5,000; max ₹500/statement)
Late Payment Fee	Slab: ₹0/₹500/₹750/₹1,200/₹1,300
Over Limit Penalty	2.5% of overlimit (Min ₹500)
Rent Surcharge	1% per transaction
Card Replacement Fee	₹100
Duplicate PIN Fee	Nil

Who Should Keep / Hold This Card?

Keep if you already have it:

• Heavy Samsung ecosystem spender (10% cashback up to ₹20K/year is real value)
• Use preferred partners (bigbasket, Tata1mg, UrbanCompany, Myntra, Zomato) regularly — 15 RP/₹100
• Travel internationally and use the Priority Pass 6/year for lounges
• Can hit ₹7L annual spend to waive the ₹5,000 fee
• Value the complimentary EazyDiner Prime membership

Skip / Already Closed:

• New applications — Axis Bank has stopped sourcing this card
• Don’t spend meaningfully on Samsung — better alternatives exist
• Need annual milestone vouchers
• Need air accident / baggage insurance
• Need premium concierge support

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For official terms, interest rates, and existing-customer servicing, refer to the Bank Reference Page.

For monetization on the side, apply for an active Axis Bank card via CredSutra — CredSutra earns a referral commission on approved cards at no cost to you.