Is the Samsung Axis Bank Infinite Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Shopping card
- ₹5,900 fee a year (with GST)
- Fee waived from ₹58,333 a month
- 1% base, up to 3% on foreign spends; 10% only at partner merchants
- 14 lounge visits a year
- Pays in reward points
- online shopping only at Samsung stores, Samsung eStore/Shop app, Samsung Service Centres: 10% back, up to ₹5,000 a month
- online shopping only at BigBasket, Tata 1mg, Urban Company, Myntra, Zomato: 3% back
- spending ₹58,333 or more a month: the ₹5,900 fee is waived
- flyers: 14 airport lounge visits a year
- you spend less than ₹58,333 a month (₹7,00,000 a year, rent and wallet loads not counted): the ₹5,900 fee is then charged
- most of your spending is fuel, rent, insurance or wallet top-ups: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on Samsung stores, Samsung eStore/Shop app, Samsung Service Centres: the 10% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 5 EDGE Reward Points per ₹100 (about ₹1) on general spends
Also earns nothing on: Gold and jewellery, Gift cards.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 1% | No cap | Anywhere else in the category | - |
| Online shopping, only at listed merchants | 10% | ₹5,000 | Only at: Samsung stores, Samsung eStore/Shop app, Samsung Service CentresTerms: 10% cashback on Samsung purchases; capped ₹5,000 a month and ₹20,000 a year. Amazon stopped qualifying on 01-Jan-2026 and Flipkart on 20-Dec-2024. | - |
| Online shopping, only at listed merchants | 3% | No cap | Only at: BigBasket, Tata 1mg, Urban Company, Myntra, ZomatoTerms: 15 EDGE Reward Points per ₹100 (about ₹3) on the five partner brands | - |
| Dining and food delivery | 1% | No cap | The card's normal rate | - |
| Groceries | 1% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 1% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | Earns nothing | - | earns nothing on this card | - |
| School and college fees | 1% | No cap | The card's normal rate | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 3% | No cap | All merchants in the categoryTerms: 15 EDGE Reward Points per ₹100 (about ₹3) on international spends | - |
| Everything else | 1% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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