Axis Bank
Samsung Axis Bank Credit Card
4.3 / 5visa
- Joining fee
- ₹500
- Annual fee
- ₹500
- Base reward
- 1%
- Min income
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Everything else | 10% | ₹2,500 |
| Online shopping | 2% | Uncapped |
Benefits
- ▸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
The good
- + Strong 10% cashback across the Samsung ecosystem (good for Samsung loyalists)
- + Low ₹500 fee with achievable ₹2 lakh fee-waiver
- + Decent ~1–2% EDGE rate at partner merchants
- + Domestic lounge access plus 1% fuel surcharge waiver
The catch
- − Samsung cashback capped at ₹2,500/month (₹10,000/year)
- − Benefits revolve almost entirely around Samsung purchases
- − 3.5% forex markup and no international lounge access
- − EDGE point value only ₹0.20
- − No milestone benefits