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Samsung Axis Bank Signature Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Mid

Join / Annual

₹0/₹500

Base Rate

5.0%

Reward Type

Points

Overview

The Samsung Axis Bank Signature Credit Card is a Mid credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 5.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹500
Eligibility: Min. ₹9 LPA for salaried or ₹6 LPA for self-employed, CIBIL ≥ 750.

Reward Rates & Cashback Rules

  • MERCHANT – Samsung: 50.0% cashback | monthly cap ₹2500.0 | via Samsung eStore, Flipkart, Pine Labs/Benow terminals, PayU ⚠️ Represents 10% cashback. Annual cap of ₹10,000 applies.
  • MERCHANT – BigBasket: 10.0% cashback
  • MERCHANT – Myntra: 10.0% cashback
  • MERCHANT – Tata 1mg: 10.0% cashback
  • MERCHANT – Urban Company: 10.0% cashback
  • MERCHANT – Zomato: 10.0% cashback
  • CATEGORY – Fuel: 0.0% cashback ⚠️ No reward points are earned on fuel spends.
  • CATEGORY – Rent: 0.0% cashback ⚠️ No reward points are earned on rental payments. A 1% fee applies.
  • CATEGORY – Wallet Load: 0.0% cashback ⚠️ No reward points are earned on wallet loads.
  • CATEGORY – EMI: 0.0% cashback ⚠️ No reward points are earned on EMI transactions.

Key Features & Benefits

  • Welcome Benefit 🎁: 2,500 EDGE Reward Points after completing 3 transactions within 30 days of card issuance.
  • Airport Lounge Access ✈️: 4 complimentary domestic airport lounge visits per calendar year, subject to a minimum spend of ₹50,000 in the previous 3 calendar months.
  • Fuel Surcharge Waiver ⛽: 1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per statement cycle.
  • Dining Discount 🍽️: 15% discount (up to ₹500 per month) through the Axis Bank Dining Delights Program.

Eligibility Criteria

Min. ₹9 LPA for salaried or ₹6 LPA for self-employed, CIBIL ≥ 750.

Features & Benefits

🎁

Welcome Benefit

2,500 EDGE Reward Points after completing 3 transactions within 30 days of card issuance.

✈️

Airport Lounge Access

4 complimentary domestic airport lounge visits per calendar year, subject to a minimum spend of ₹50,000 in the previous 3 calendar months.

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per statement cycle.

🍽️

Dining Discount

15% discount (up to ₹500 per month) through the Axis Bank Dining Delights Program.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Samsung Via Samsung eStore, Flipkart, Pine Labs/Benow terminals, PayU
Reward: 50.0% Monthly Cap: ₹2500.0
⚠️ Exceptions: Represents 10% cashback. Annual cap of ₹10,000 applies.
50%
BigBasket
Reward: 10.0%
10%
Myntra
Reward: 10.0%
10%
Tata 1mg
Reward: 10.0%
10%
Urban Company
Reward: 10.0%
10%
Zomato
Reward: 10.0%
10%
Fuel Exclusion
⚠️ Exceptions: No reward points are earned on fuel spends.
Rent Exclusion
⚠️ Exceptions: No reward points are earned on rental payments. A 1% fee applies.
Wallet Load Exclusion
⚠️ Exceptions: No reward points are earned on wallet loads.
EMI Exclusion
⚠️ Exceptions: No reward points are earned on EMI transactions.

Value Chart

Assuming basic spends for Samsung Axis Bank Signature Credit Card

Category Samsung Axis Bank Signature Credit Card Axis Bank Privilege Credit Card
₹
Joining Fee 		₹0 ₹0
₹
Annual Fee 		₹500 ₹1500
🌍
Forex Markup 		3.5% 3.5%
%
Base Rate 		5.0% 5.0%
★
Known Rules 		10 rules 7 rules

Pros & Cons

✓

Pros

  • + Samsung — 50.0% Points (cap ₹2500.0)
  • + BigBasket — 10.0% Points
  • + Myntra — 10.0% Points
  • + Tata 1mg — 10.0% Points
  • + Urban Company — 10.0% Points
  • + Welcome Benefit
  • + Airport Lounge Access
  • + Fuel Surcharge Waiver
  • + Dining Discount
✗

Cons

  • − No reward on Fuel — No reward points are earned on fuel spends.
  • − No reward on Rent — No reward points are earned on rental payments. A 1% fee app
  • − No reward on Wallet Load — No reward points are earned on wallet loads.
  • − No reward on EMI — No reward points are earned on EMI transactions.
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹15000

Annual Fee

₹500

Net Value

+₹14500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹500 + GST. It can be waived if you spend ₹2,00,000 or more in the previous card anniversary year.

You can earn 10% cashback on Samsung products and services. This is capped at ₹2,500 per month and ₹10,000 per calendar year.

Yes, it offers 4 complimentary domestic lounge visits per year. Access is conditional on meeting a minimum spend requirement of ₹50,000 in the preceding 3 months.

The standard redemption value for 1 EDGE Reward Point is ₹0.20 (20 paise).

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