If you buy Samsung products or use services from Samsung frequently — phones, TVs, appliances — then the co-branded credit cards by Axis Bank and Samsung can give you significant savings. There are two variants: Signature and Infinite. While both offer core benefits, the value you get depends heavily on how you use the card.
Here’s a detailed comparison to help you decide between the Signature and Infinite variants.
Annual Fee & Basic Fee Structure
Samsung Axis Bank Signature Credit Card
- Annual / joining fee: ₹500 + taxes
Samsung Axis Bank Infinite Credit Card
- Annual / joining fee: ₹5,000 + taxes
Summary:
- Signature is much cheaper — good for light users or occasional Samsung buyers.
- Infinite comes at a higher fee but offers more perks and higher limits — better for heavy users or those buying many or expensive Samsung products.
Core Benefit: Cashback / Discount on Samsung Purchases
Both variants of the Samsung-Axis card offer a 10% cashback/discount on all Samsung purchases (including EMI, accessories, appliances, etc.). What differs is the capping:
- Signature: Cashback capped at ₹2,500 per month and ₹10,000 per year
- Infinite: Cashback capped at ₹5,000 per month and ₹20,000 per year
Implication:
- If you buy only one or two Samsung items a year — Signature is often enough.
- If you buy multiple devices or expensive products — Infinite’s higher cap gives you more real savings.
Rewards & Cashback Beyond Samsung — Everyday Spends
Both cards give you value even outside Samsung purchases, via “EDGE Reward Points” on preferred partners and regular spends.
Signature Variant
- On select partner brands (like known online marketplaces, food/essential services): 10 EDGE points per ₹100 spent
- On other regular domestic spends: 5 EDGE points per ₹100 spent
Infinite Variant
- On preferred partners (and even international transactions): 15 EDGE points per ₹100 spent
- On other domestic spends: 5 EDGE points per ₹100 spent
Insight:
- Infinite gives better reward earning rate on partner-brand and premium spends (higher points per ₹100).
- Signature gives modest yet usable rewards, more suited if you don’t want high fee burden.
Welcome Benefits, Lounge, Dining & Lifestyle Perks
Signature Card Perks
- Welcome bonus: Some extra EDGE points on first few transactions (after activation)
- Airport lounge access: 4 domestic lounge visits per year
- Fuel surcharge waiver for small fuel transactions (within defined limits)
- Dining discounts at select partner restaurants (limited offers)
Infinite Card Perks
- Welcome bonus: larger bonus reward points if you make a few transactions soon after card issuance
- Lounge access: 8 domestic + several international lounge visits (via Priority Pass in many cases) — good for frequent travellers
- Prime membership to premium dining platform for discounts at many restaurants
- Higher rewards and benefits on partner-brand shopping, travel and lifestyle spends
Implication:
- If you travel often or dine out / shop regularly at premium brands, Infinite’s perks offer better value.
- If you seldom travel and want only basic benefits, Signature gives simpler convenience at low cost.
Who Should Pick Which Card
Choose Signature If:
- You buy Samsung items only occasionally (once or twice a year)
- You want minimal annual fee burden
- You don’t need heavy travel perks or premium lounge access
- You mostly use the card for occasional online/offline spends and want modest rewards
Choose Infinite If:
- You expect multiple high-value Samsung purchases (phones, appliances, TVs) in a year
- You want higher monthly/annual cashback caps on Samsung spends
- You travel domestically and internationally more often
- You often shop or dine with partner brands, and can make use of lounge and lifestyle benefits
Final Verdict
The right card depends on how you plan to use it:
- Signature is a good “lightweight” card — minimal cost, decent cashback on occasional purchases, useful rewards for regular spends.
- Infinite is for “power users” — frequent Samsung buyers, travellers, lifestyle spenders. The higher fee is justified only if you use the perks and cashback caps fully.
If you mostly shop Samsung products once in a while — go with Signature.
If you are a regular or heavy user — Infinite gives far more value.