MyFinCards
Samsung Axis Bank Signature Credit Card

Joining Fee

₹500

Annual Fee

Rs. 500 (Reversed on annual spends of Rs. 2 Lakhs)

Forex Markup

3.5% + GST

INTERNATIONAL
Axis Bank
Cashback
Rewards
Shopping
Lifestyle
Best For: Samsung product buyers, Online shoppers on Myntra, Zomato, BigBasket, Domestic travelers seeking lounge access, Dining enthusiasts

Samsung Axis Bank Signature Credit Card

Rewards Structure

Base Reward Rate

5% on spends

Point Value

1 Point = ₹0.2

Earning Cap

₹2,500 /monthly

Points Validity

24 Months

Pros

  • 10% cashback on Samsung purchases including EMI
  • Accelerated 10x reward points on bigbasket, Tata1mg, UrbanCompany, Myntra, Zomato
  • Annual fee waived on spends above ₹2,00,000
  • Complimentary domestic airport lounge access (4/year)
  • Add-on card with zero joining and annual fee
  • Dining discounts at 4000+ restaurants

Cons

  • Cashback capped at ₹2500/month and ₹10,000/year
  • Lounge access requires ₹50,000 spend in previous 3 months
  • High finance charge at 3.75% per month (55.55% per annum)
  • Redemption fee of ₹99 per transaction on EDGE REWARDS platform
  • 1% transaction fee on education payments via third-party apps
  • Dynamic currency conversion markup of 1.5% on international transactions in INR

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Lounge access requires minimum ₹50,000 spend in prior 3 months

Cashback capped monthly and annually

1% fee on wallet loads above ₹10,000, fuel above ₹50,000, utilities above ₹25,000, gaming above ₹10,000 per statement

₹199 fee for converting/transferring EDGE REWARD Points to partner loyalty programs

Rent transactions attract 1% fee per transaction

Key Benefits & Features

Wednesday Delight: Up to 15% off on flights & hotels via Goibibo/MakeMyTrip, 10% off on Swiggy & Amazon Fresh, 10% off up to ₹1000 on Tira

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Passport
Driving Licence
Voter ID Card
Aadhaar Card

ADDRESS Proof

Passport
Driving Licence
Voter ID Card
Aadhaar Card

INCOME Proof

Latest Payslip
Bank Statement
Form 16
IT Return Copy

Notable Exclusions

No cashback earned on fuel transactionsGST on fuel surcharge is non-refundable1% transaction fee on cumulative wallet loads exceeding ₹10,000 per statement period1% transaction fee on cumulative fuel spends exceeding ₹50,000 per statement period1% transaction fee on cumulative utility spends exceeding ₹25,000 per statement period1% transaction fee on cumulative online skill-based gaming spends exceeding ₹10,000 per statement period

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Samsung Axis Bank Signature Credit Card

The Samsung Axis Bank Signature Credit Card is designed for those who want a smarter, future-ready financial companion packed with exclusive rewards and lifestyle privileges. As a co-branded offering, the card delivers standout value for Samsung enthusiasts, providing 10% cashback on all Samsung purchases, including EMI transactions, capped at ₹2,500 per month. New cardholders also receive 2,500 EDGE Reward Points as a welcome benefit upon completing three transactions within 30 days of card issuance. Beyond Samsung purchases, the card rewards everyday spending through accelerated EDGE Reward Points on popular platforms including Zomato, BigBasket, Myntra, Tata 1mg, and UrbanCompany. Cardholders earn 5 EDGE Reward Points on all other domestic and international transactions, ensuring consistent value across all spending categories. Additional perks include four complimentary domestic airport lounge visits per calendar year, a 1% fuel surcharge waiver on eligible transactions, and dining discounts of 15% off at over 4,000 partner restaurants across India. Wednesday Delight offers mid-week savings on flights, hotels, food delivery, and more, while the EMI conversion facility makes large purchases more manageable. With a modest joining and annual fee of ₹500 each, and annual fee waiver on spends exceeding ₹2,00,000, the Samsung Axis Bank Signature Credit Card delivers exceptional value for online shoppers, Samsung loyalists, and lifestyle-focused individuals alike.

Expert Review

Our Verdict

Samsung-focused card with 10% cashback on Samsung purchases, lounge access & accelerated rewards on top brands.

Frequently Asked QuestionsAbout Samsung Axis Bank Signature Credit Card

ELIGIBILITYWhat are the eligibility criteria for the Samsung Axis Bank Signature Credit Card?
To apply for the Samsung Axis Bank Signature Credit Card, the primary cardholder must be between 18 and 70 years of age and should be a resident of India. Please note that these criteria are only indicative and Axis Bank reserves the ultimate right to approve or decline any application based on its internal assessment.
DOCUMENTSWhat documents are required to apply for the Samsung Axis Bank Signature Credit Card?
The following documents are required: PAN card photocopy, colour photographs, latest payslip/bank statement/Form 16/IT return copy as proof of income, and residence proof and identity proof (any one of: Passport, Driving Licence, Voter ID Card, or Aadhaar card). Note that the document list is indicative and requirements may vary on a case-to-case basis.
FEESWhat are the joining and annual fees for the Samsung Axis Bank Signature Credit Card?
The joining fee for the primary card is ₹500. The annual fee is also ₹500 from the second year onwards. However, the annual fee is waived if your total annual spends exceed ₹2,00,000. Add-on cards come with zero joining and annual fees, making them a cost-effective option for family members.
REWARDSWhat cashback benefits do I get on Samsung purchases?
You earn 10% cashback on all Samsung purchases, including EMI transactions. The cashback is directly credited to your credit card statement. However, cashback is capped at ₹2,500 per month and ₹10,000 per annum. This makes the card especially beneficial for frequent Samsung product buyers looking to maximize savings on electronics and appliances.
REWARDSWhich partner brands offer accelerated reward points on this card?
You earn 10 EDGE REWARD Points on every ₹100 spent with preferred partners: bigbasket, Tata1mg, UrbanCompany, Myntra, and Zomato. For all other domestic and international transactions, you earn 5 EDGE REWARD Points per ₹100 spent. This makes the card highly rewarding for everyday lifestyle spends including groceries, health, beauty, and food delivery.
BENEFITSWhat is the welcome benefit on the Samsung Axis Bank Signature Credit Card?
New cardholders receive 2,500 EDGE REWARD Points as a welcome benefit upon completing 3 transactions within 30 days from the card issuance date. These points are credited to your EDGE REWARDS account and can be redeemed on the EDGE REWARDS platform. Please note that a redemption fee of ₹99 applies per transaction on the EDGE REWARDS platform.
BENEFITSHow does the complimentary airport lounge access work?
The Samsung Axis Bank Signature Credit Card offers 4 complimentary lounge visits per calendar year at select domestic airports. To be eligible for lounge access, you must have a minimum spend of ₹50,000 in the previous 3 months (effective May 01, 2024). Please check the Axis Bank website for the full list of eligible airports and associated terms and conditions.
BENEFITSWhat dining benefits are available with this credit card?
Cardholders can enjoy 15% off, up to ₹500, at 4,000+ partner restaurants across India through the Dining Delights program. This offer can be availed once per month with a minimum order value of ₹2,500. Additionally, every Wednesday cardholders can enjoy special deals including up to 15% off on flights and hotels via Goibibo and MakeMyTrip, and 10% off on Swiggy and Amazon Fresh.
BENEFITSWhat is the fuel surcharge waiver benefit on this card?
The Samsung Axis Bank Signature Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per statement cycle. Please note that GST on the fuel surcharge is non-refundable, and no cashback is earned on fuel transactions. The waiver applies automatically to eligible fuel transactions within the specified range.
INTERNATIONALWhat are the foreign currency transaction charges on this card?
The Samsung Axis Bank Signature Credit Card charges a foreign currency transaction fee of 3.5% on the transaction value. Additionally, a Dynamic Currency Conversion (DCC) markup of 1.5% plus applicable taxes is charged for international transactions performed in Indian currency at international locations, or transactions in Indian currency with merchants located in India but registered in a foreign country.
FEESWhat are the finance charges and late payment fees on this card?
Finance charges are 3.75% per month (55.55% per annum) on retail purchases and cash. Late payment fees are: Nil if total due is less than ₹500; ₹500 for dues between ₹501–₹5,000; ₹750 for dues between ₹5,001–₹10,000; and ₹1,200 for dues above ₹10,000. An additional ₹100 charge applies if the Minimum Amount Due is not paid for two consecutive cycles.
FEESAre there any transaction fees on specific categories like rent, education, or wallets?
Yes, certain transactions attract a 1% fee: rent payments (identified via MCC 6513), education payments via third-party apps (direct payments to institutions are exempt), and cumulative spends exceeding ₹10,000 on wallet loads, ₹50,000 on fuel, ₹25,000 on utilities, or ₹10,000 on online skill-based gaming platforms within a statement period. GST applies on all such transaction fees.
USAGEHow can I redeem EDGE REWARD Points earned on this card?
EDGE REWARD Points can be redeemed on the Axis Bank EDGE REWARDS platform. A redemption fee of ₹99 applies per transaction on the platform. If you wish to convert or transfer EDGE REWARD Points to partner loyalty programs, a fee of ₹199 per transaction is charged. It is advisable to accumulate enough points before redeeming to offset the redemption fee effectively.
USAGECan I convert large purchases into EMIs using this card?
Yes, the Samsung Axis Bank Signature Credit Card allows you to convert any purchase of ₹2,500 or more into easy EMIs. Simply contact Axis Bank customer care or use the bank's digital channels to initiate the conversion. This feature helps manage large expenses, including Samsung product purchases, more conveniently by spreading the cost over manageable monthly instalments.
FEESWhat is the cash withdrawal fee for the Samsung Axis Bank Signature Credit Card?
Cash withdrawals on the Samsung Axis Bank Signature Credit Card attract a fee of 2.5% of the withdrawn amount, subject to a minimum charge of ₹500. Additionally, finance charges of 3.75% per month (55.55% per annum) apply on cash advances from the date of withdrawal until full repayment. It is generally advisable to avoid cash withdrawals on credit cards due to the high associated costs.

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