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Samsung Axis Bank Infinite vs SBI Flipkart 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.

Samsung Axis Bank Infinite Credit Card versus SBI Flipkart Credit Card compared
FeatureSamsung Axis Bank Infinite Credit CardSamsung Axis Bank Infinite Credit CardAxis Bank5 recent changes →
SBI Flipkart Credit CardSBI Flipkart Credit CardState Bank of India2 recent changes →
Rewards by spend
Rewards1% base, up to 3% on foreign spends; 10% only at partner merchants1% on most spends; 7.5% only at partner merchants
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping1%; 10% only at Samsung stores, Samsung eStore/Shop app, Samsung Service Centres; 3% only at BigBasket, Tata 1mg, Urban Company, Myntra, Zomato1%; 7.5% only at Myntra; 5% only at Flipkart, Shopsy & Flipkart Travel
Dining and food deliverysame1%1%
Groceriessame1%1%
Travel: flights, hotels, trains1%1%; 5% only at Cleartrip
FuelsameEarns nothingEarns nothing
Bills and rechargessame1%1%
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees1%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency3%1%
Everything elsesame1%1%
Card identity
Card typesameShoppingShopping
NetworkVisaMastercard
Card tierPremiumMid
Fees
Joining fee₹5,000 + GST₹500 + GST
Annual fee₹5,000 + GST₹500 + GST
Fee waived at₹7,00,000₹3,50,000
Eligibility
Min age18 years-
Max age70 years-
Employment typesameBOTHBOTH
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Lounge access
Domestic lounge visits8-
International lounge visits6-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

Samsung Axis Bank Infinite Credit Card
Rewards a year
₹3,600
Fee a year
- ₹5,900
You keep
- ₹2,300
SBI Flipkart Credit Card
Rewards a year
₹2,400
Fee a year
- ₹590
You keep
₹1,810

At this spend, SBI Flipkart Credit Card comes out ₹4,110 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

Samsung Axis Bank Infinite Credit Card
  • 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
SBI Flipkart Credit Card
  • Regular Flipkart shoppers
  • Myntra fashion buyers
  • Cleartrip travel bookers

Watch-Outs

Samsung Axis Bank Infinite Credit Card
  • 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%
SBI Flipkart Credit Card
  • Each boosted category has a monthly cap
  • Only 1% outside partner brands
  • High ₹3,50,000 waiver target
  • No lounge access

Card data sourced via CardAdvisor.in (Samsung Axis Bank Infinite Credit Card, SBI Flipkart 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 Flipkart Credit Card?

SBI Flipkart Credit Card. SBI Flipkart Credit Card: ₹500; 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 Flipkart 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 Flipkart 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.

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