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Axis Bank

Samsung Axis Bank Signature Credit Card

Lounge accessVerifying

Joining fee incl. GST: ₹590
Renewal fee incl. GST: ₹590
Conditional welcome value: Up to ₹500
Forex markup: 3.5%
Interest p.a.: 55.55%
Min income (salaried): —

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Complete 3 transactions within 30 days of issuance

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Fuel-waiver transaction limit conflicts on the product page. EDGE exclusions and earning after partner limits need full current schedule confirmation.

Spend category	Reward rate	Reward limit
Selected merchants Only the qualifying merchants or payment route below 10% at eligible Samsung channels: ₹2,500/month and ₹10,000 per card year. Amazon purchases excluded from 1 January 2026; Flipkart excluded from 20 December 2024. Eligible in-store terminals/EMI routing must match issuer terms.	10%	₹25,000 spend / monthAlso ₹10,000 reward / year
Online shopping Only the qualifying merchants or payment route below 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%	Unverified
Dining Only the qualifying merchants or payment route below 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%	Unverified
Other eligible purchases	1%	—

Excluded from ordinary earning: Fuel, Rent, Utilities & bills, Insurance, Education. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

Fees & charges

Joining fee₹500

Annual fee₹500

Annual fee waiverRenewal waived on eligible annual spend greater than ₹2 lakh.

Foreign currency markup3.5%

Finance charge (p.a.)55.55%

Fuel surcharge waiver1%, up to ₹500/mo

Key benefits

Airport lounge access — 4/year domestic (4 complimentary domestic visits a calendar year, and since 1 May 2024 each visit requires ₹50,000 or more of eligible spend in the previous 3 months. No international lounge access)
10% cashback on Samsung products and services, capped at ₹2,500 a month and ₹10,000 a year
10 EDGE Reward Points per ₹100 (~2%) at bigbasket, Tata 1mg, Urban Company, Myntra and Zomato; 5 points per ₹100 (~1%) on everything else, domestic and international
4 complimentary domestic lounge visits a calendar year, gated by ₹50,000 of spend in the previous 3 months
15% off up to ₹500 on dining, once a month, at 4,000+ partner restaurants on a minimum order of ₹2,500
1% fuel surcharge waiver up to ₹500 per statement cycle (₹400–₹5,000 transactions)
1% fee on rent transactions (MCC 6513) and 1% on education payments made through third-party apps
3.5% dynamic currency conversion markup on international transactions billed in rupees
₹99 EDGE Rewards redemption fee per transaction; ₹199 to transfer points to a partner programme
The product page conflicts between ₹4,000 and ₹5,000 as the maximum fuel-waiver transaction. Confirm before relying on the higher amount.

What we like

+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

What to watch

−Samsung cashback capped at ₹2,500/month and ₹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
−High finance charges: 3.75% monthly; issuer quotes 55.55% effective annualised rate
−No milestone benefits

Eligibility

Age 18–70

Indian national, salaried or self-employed with stable income. Minimum income not officially published. This is the actively issued Signature variant; the higher-tier Infinite variant is no longer accepting new applications.

Check Axis Bank's current criteria and the source notes. Meeting a published minimum is not approval — the issuer decides every application on its own criteria, including your credit history. How we source this