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Axis Bank

Samsung Axis Bank Credit Card

4.3

Lounge access

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Everything else 10% cashback on Samsung products and services (in-store, Samsung E-Store, brand EMI), capped ₹2,500/month and ₹10,000/year. No EDGE points on Samsung spends.	10%	₹2,500	₹3,000
Online shopping 10 EDGE points per ₹100 = ~2% value-back (1 EDGE point ≈ ₹0.20) at partners BigBasket, Myntra, Zomato, Urban Company, Tata 1mg. All other spends earn 5 pts/₹100 = ~1% (base rate).	2%	—	₹2,400
All other spends	1%	—	₹1,200

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining fee₹500

Annual fee₹500

Annual fee waiverAnnual fee waived on spends of ₹2,00,000 in the preceding card anniversary year

Foreign currency markup3.5%

Finance charge (p.a.)45%

Fuel surcharge waiver1%, up to ₹500/mo

Airport lounge access — 1/quarter domestic (₹50,000 spend in the preceding 3 months; no international lounge access)
10% cashback on Samsung products & services (capped ₹2,500/month, ₹10,000/year)
~2% value-back at partners (BigBasket, Myntra, Zomato, Urban Company, Tata 1mg); ~1% on other spends
4 complimentary domestic lounge visits per year (1 per quarter)
15% dining discount up to ₹500 twice/month via EazyDiner
1% fuel surcharge waiver