In-depth review
Samsung Axis Bank Signature Credit Card
The entry tier of Axis Bank's Samsung co-brand: 10% cashback on Samsung purchases (capped ₹2,500/month, ₹10,000/year) plus EDGE Reward Points on everyday spend, for a ₹500 fee that waives at ₹2 lakh. A device-buyer's card that earns its keep the year you buy a Samsung, and an ordinary 1% points card the rest of the time.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
10% cashback at named online shopping merchants
10% cashback on Samsung purchases; capped ₹2,500/month and ₹10,000/year. This card's T&C (dated Nov 2023) still lists Amazon and Flipkart, but Axis's Samsung Infinite T&C dropped Flipkart on 20-Dec-2024 and Amazon on 01-Jan-2026 — confirm before relying on either marketplace.
10 points/₹100 on Online Shopping (~2% value)
10 EDGE Reward Points per ₹100 (about ₹2) on the five partner brands
Airport Lounge Access
4 complimentary domestic airport lounge visits per calendar year, unlocked only by ₹50,000 of eligible spend in the previous 3 months
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹2,00,000/year
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
✓
Domestic lounges
₹2,000
Estimated annual value
3.5%
Forex markup
- Domestic airport lounge access (worth ~₹2,000/yr)
For someone who buys a Samsung phone, tablet or appliance every year or two and will use the card to spread the purchase on EMI while capturing the 10% cashback — used as a device-and-everyday second card rather than a primary rewards card.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.20. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shoppingonly at Samsung stores, Samsung eStore/Shop app, Samsung Service Centres | cashback | 10% | ₹2,500 |
| Online Shoppingonly at Zomato, BigBasket, Tata 1mg, Myntra, Urban Company | reward points | 2%10 pts/₹100 × ₹0.20 | — |
| Other | reward points | 1%5 pts/₹100 × ₹0.20 | — |
Online Shopping: 10% cashback on Samsung purchases; capped ₹2,500/month and ₹10,000/year. This card's T&C (dated Nov 2023) still lists Amazon and Flipkart, but Axis's Samsung Infinite T&C dropped Flipkart on 20-Dec-2024 and Amazon on 01-Jan-2026 — confirm before relying on either marketplace. · Samsung stores, Samsung eStore/Shop app, Samsung Service Centres
Online Shopping: 10 EDGE Reward Points per ₹100 (about ₹2) on the five partner brands · Zomato, BigBasket, Tata 1mg, Myntra, Urban Company
Other: 5 EDGE Reward Points per ₹100 (about ₹1) on general and international spends
Earns nothing on: Rent · Wallet Loads · Fuel · Gold and jewellery · Government & Tax · Insurance · EMI Conversions · Tolls & Road Fees · Gift Cards & Vouchers
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹2,500/yr in total.
4 complimentary domestic airport lounge visits per calendar year, unlocked only by ₹50,000 of eligible spend in the previous 3 months
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, capped ₹500 per statement cycle
Should you get it?
- Best for: Regular Samsung device and appliance buyer, Someone who will spread a Samsung purchase on EMI, Partner-brand shopper (Zomato, Myntra, BigBasket)
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on everyday spends (1% back; 10% only at Samsung stores, Samsung eStore/Shop app, Samsung Service Centres).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 10% cashback on Samsung purchases (capped ₹2,500/month, ₹10,000/year)
- No-cost EMI on Samsung devices on eligible occasions
- 2% (10 EDGE points/₹100) on Zomato, BigBasket, Tata 1mg, Myntra and Urban Company
- 4 domestic lounge visits a year (on ₹50,000 of spend in the prior 3 months) and a 1% fuel surcharge waiver
- 15% off up to ₹500, once a month, at 4,000+ partner restaurants on orders over ₹2,500
✕ Cons
- The 10% cashback is Samsung-only and capped at ₹10,000 a year — no value if you rarely buy Samsung
- Away from Samsung it is a modest 1% EDGE points card (2% on five partners)
- Rent, wallet loads, fuel, gold, government spends, insurance and EMI earn no rewards
- Lounge access is not guaranteed — it needs ₹50,000 of spend in the previous three months
- Whether Amazon and Flipkart Samsung purchases still qualify is unresolved between two Axis documents
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Samsung cashback credited to the card statement
- 🎁EDGE Reward Points redeemed on the Axis EDGE rewards catalogue (shopping, travel, vouchers)
What your Axis EDGE Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard EDGE Reward Points
Gift-voucher catalogue
Flights & hotels
The 10% is locked to Samsung and capped at ₹10,000 a year — buy little Samsung and the card's whole reason to exist goes unused, leaving a modest 1% EDGE points earner.
Frequently asked questions
What does the Samsung cashback cover?
Do Samsung purchases on Amazon or Flipkart earn the 10%?
Is the lounge access unconditional?
What does it earn away from Samsung?
What is the welcome benefit?
How is the annual fee waived?
How will Axis apply my payment across the outstanding balance from 28 August 2026?
How has the Samsung Axis Bank Signature Credit Card changed over time?
Has the Samsung Axis Bank Signature Credit Card been devalued recently?
When did the Samsung Axis Bank Signature Credit Card's fees last change?
How did the Samsung Axis Bank Signature Credit Card change in 2026?
The bottom line
The Signature earns its keep the year you buy a big Samsung device: 10% back up to ₹10,000 a year can pay for a chunk of a flagship phone, and no-cost EMI on Samsung makes the purchase easier to stomach. Away from Samsung it is an ordinary 1% EDGE points card with a useful 2% on five partners, so it is a specialist, not an all-rounder. If you rarely buy Samsung, the cashback cap goes unused and a plain everyday card like the Axis ACE serves you better.
How this page was built
Counted from this card’s own record: 3 earn rules, 1 of them capped, 2 paid only at named merchants, the spends listed as earning nothing and 2 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Samsung Axis Bank Signature Credit Card are taken from Axis Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for Axis Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2022 · last change Aug 2026
2026
- ▼ FeeObserved 29 Jul 2026 · Effective 28 Aug 2026
Dynamic currency conversion markup more than doubles to 3.5%
1.5% + GST→3.5% + GST
Axis Bank raised the dynamic currency conversion mark-up from 1.5% to 3.5% plus GST. DCC applies when an overseas merchant offers to bill you in rupees instead of the local currency, and it stacks on top of the usual foreign-currency mark-up. Declining the rupee option at the terminal and paying in the local currency avoids the charge entirely.
Verification: Axis Bank ↗ · Confidence: High
- ▼ FeeObserved 29 Jul 2026 · Effective 28 Aug 2026
New top late-payment slab of Rs 1,300 above Rs 50,000
Rs 1,200 on any total payment due above Rs 10,000→Rs 1,200 from Rs 10,001 to Rs 50,000; Rs 1,300 above Rs 50,000
Axis Bank added a fifth late-payment slab. Everything up to Rs 50,000 is unchanged, but a total payment due of more than Rs 50,000 now attracts Rs 1,300 instead of Rs 1,200. The same notice fixes the order in which a payment is applied to the outstanding: fees and charges including taxes first, then EMIs, interest, purchases and cash advances.
Verification: Axis Bank ↗ · Confidence: High
- ▼ RewardObserved 29 Jul 2026 · Effective 28 Aug 2026
Tolls and road fees stop earning rewards; gift cards split into their own category
Bridge fees, road fees and tolls earned at the normal rate→No rewards or cashback on bridge fees, road fees and tolls
Axis Bank added bridge fees, road fees and tolls to the spends that earn nothing. Separately, gift card purchases move out of the Wallet spend category into a new Gift Card category; they already earned no rewards, and they continue to be excluded from spend-based fee waivers and milestone thresholds.
Verification: Axis Bank ↗ · Confidence: High
2024
- ▼ FeeEffective 20 Dec 2024
Bank-wide charges revision — finance charge raised, new surcharges and EDGE fees
~3.6%/mo finance charge; 1% DCC markup; no wallet/fuel/utility surcharge; free EDGE redemption→3.75%/mo finance charge; 1.5% DCC markup; 1% surcharges on high wallet/fuel/utility spends; ₹99 EDGE redemption fee, ₹199 points-to-partner conversion fee
Effective 20 December 2024 Axis repriced ancillary fees across its whole card portfolio, which includes the Samsung Signature: the monthly finance charge was standardised to 3.75% (matching the current catalog), dynamic-currency-conversion markup rose 1%→1.5%, branch cash-payment fee ₹100→₹175, and new 1% surcharges were added on cumulative wallet loads over ₹10,000, fuel over ₹50,000 and utility bills over ₹25,000. New EDGE fees were introduced — ₹99 per rewards redemption and ₹199 per points/miles-to-partner conversion.
Verification: Axis Bank ↗ · Confidence: Reconstructed
- ▼ LoungeEffective 1 May 2024
Domestic lounge access made spend-gated
Complimentary domestic lounge visits, no spend condition→4 visits/calendar year unlocked only with ₹50,000 spend in the previous 3 months
As part of Axis Bank's portfolio-wide benefit revamp, from 1 May 2024 the card's four complimentary domestic lounge visits a year were tied to a minimum ₹50,000 of eligible spend in the prior three months; newly issued cards are exempt for the month of issuance plus the next three. The visit count was unchanged — only the access condition was added. The same gate was applied to the Samsung Axis Bank Infinite on the same date.
Verification: Axis Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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