Samsung Axis Bank Infinite vs SBI Cashback Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  Samsung Axis Bank Infinite Credit CardAxis Bank5 recent changes → |  SBI Cashback Credit CardState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 1% base, up to 3% on foreign spends; 10% only at partner merchants | 1% base, up to 5% on online shopping | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 1%; 10% only at Samsung stores, Samsung eStore/Shop app, Samsung Service Centres; 3% only at BigBasket, Tata 1mg, Urban Company, Myntra, Zomato | 5% | |
| Dining and food deliverysame | 1% | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trainssame | 1% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 1% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | 1% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 3% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Networksame | Visa | Visa | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹5,000 + GST | ₹999 + GST | |
| Annual fee | ₹5,000 + GST | ₹999 + GST | |
| Fee waived at | ₹7,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 70 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min credit score | - | 650 | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 6 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Spend Rs 50,000 in the previous quarter for domestic lounge access | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 45% | |
| Page content | |||
| Eligibility | - | Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants | |
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹3,600
- Fee a year
- - ₹5,900
- You keep
- - ₹2,300
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, SBI Cashback Credit Card comes out ₹7,100 a year ahead of Samsung Axis Bank Infinite Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- 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
- Heavy online shoppers
- People who want plain cashback, not points
- Shoppers who use many different websites
Watch-Outs
- Skip it if 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
- Skip it if most of your spending is fuel, rent, insurance or wallet top-ups: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you rarely spend on Samsung stores, Samsung eStore/Shop app, Samsung Service Centres: the 10% rate applies only there, everything else earns 1%
- No cashback on utilities, insurance, fuel, rent, wallets or EMIs
- 5% stops after Rs 40,000 online spend a month
- No airport lounge access
- 3.5% forex fee
Card data sourced via CardAdvisor.in (Samsung Axis Bank Infinite Credit Card, SBI Cashback Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Samsung Axis Bank Infinite Credit Card or SBI Cashback Credit Card?
SBI Cashback Credit Card. SBI Cashback Credit Card: ₹999; Samsung Axis Bank Infinite Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Samsung Axis Bank Infinite Credit Card has the lowest forex markup. Samsung Axis Bank Infinite Credit Card: 3.5%; SBI Cashback Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Samsung Axis Bank Infinite Credit Card 1%, SBI Cashback Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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