Samsung Axis Bank Signature Credit Card

Key Features & Benefits

The Samsung Axis Bank Signature Credit Card is tailored for Samsung product buyers and lifestyle-focused spenders who want meaningful returns on their everyday purchases. With 10% cashback on all Samsung product purchases including EMI transactions, you can save up to ₹10,000 annually when buying smartphones, tablets, TVs, and home appliances from Samsung’s official stores and authorized partners. This benefit alone makes the card exceptional for anyone planning Samsung purchases throughout the year.

Beyond Samsung-specific benefits, the card offers accelerated rewards on daily essentials and lifestyle categories. Earn 10 Edge Reward Points per ₹100 spent (effectively 10% reward rate) at popular partners including BigBasket for groceries, Tata1mg for healthcare, Myntra for fashion, Zomato for food delivery, and UrbanCompany for home services. All other retail spends earn 5 Edge Reward Points per ₹100, ensuring you’re rewarded regardless of where you shop. These points can be converted to statement credits, airline miles, or used for shopping on partner platforms.

The card also provides practical travel benefits with 4 complimentary domestic airport lounge visits per year at major airports including Delhi, Mumbai, Bangalore, Chennai, Hyderabad, and Kolkata. Additional perks include fuel surcharge waivers, welcome bonus of 2,500 Edge Reward Points worth ₹500, and basic personal accident insurance coverage, making it a well-rounded card for urban professionals and Samsung ecosystem users.

All You Need to Know About: Samsung Axis Bank Signature Credit Card

The Samsung Axis Bank Signature Credit Card is a co-branded credit card issued by Axis Bank in partnership with Samsung, designed specifically for Samsung product buyers and urban lifestyle spenders. Launched to cater to Samsung’s large customer base in India, this Visa card offers a compelling mix of brand-specific cashback, accelerated lifestyle rewards, and travel benefits at an affordable annual fee structure. The card is positioned in the signature segment, targeting young professionals, tech enthusiasts, and families who value both electronics purchases and everyday lifestyle spending rewards.

The card’s primary attraction is its 10% unlimited cashback on all Samsung product purchases, including smartphones, tablets, televisions, wearables, home appliances, and accessories bought from Samsung’s official online store, Samsung exclusive stores, and authorized retail partners. This cashback applies to both regular purchases and EMI transactions, with a monthly cap of ₹2,500 and an annual cap of ₹10,000, credited directly as statement credit to your card account. For someone buying a Samsung flagship smartphone worth ₹80,000 or upgrading multiple Samsung devices throughout the year, this benefit alone can deliver savings of up to ₹10,000, far exceeding the card’s annual fee.

Beyond Samsung-specific benefits, the card offers an attractive rewards program through Axis Bank’s Edge Reward Points system. Cardholders earn 10 Edge Reward Points per ₹100 spent (effectively 10% reward rate) at five key lifestyle partners: BigBasket for online groceries, Tata1mg for medicines and healthcare products, Myntra for fashion and lifestyle, Zomato for food delivery and dining, and UrbanCompany for home services like beauty, cleaning, and repairs. All other retail purchases earn 5 Edge Reward Points per ₹100 spent, ensuring consistent rewards across all spending categories. These Edge Reward Points can be redeemed for statement credits, converted to airline miles with partner airlines, used for shopping on Axis Bank’s rewards portal, or utilized for vouchers across various brands, offering flexible redemption options based on your preferences.

The card also provides practical travel benefits with 4 complimentary domestic airport lounge visits per calendar year through Visa’s lounge access program. Major Indian airports covered include Indira Gandhi International Airport Delhi, Chhatrapati Shivaji International Airport Mumbai, Kempegowda International Airport Bangalore, Chennai International Airport, Rajiv Gandhi International Airport Hyderabad, Netaji Subhas Chandra Bose International Airport Kolkata, and several others. However, to qualify for lounge access, cardholders must maintain a minimum spend of ₹50,000 in the previous 3 calendar months, a condition implemented from May 2024. This spending threshold ensures that the lounge benefit is utilized by active cardholders while managing the bank’s costs. Additional benefits include fuel surcharge waiver on fuel station transactions, personal accident insurance coverage providing financial protection in case of accidental death or disability, and zero liability on lost card if reported within 24 hours.

The fee structure is designed to be accessible, with a joining fee of ₹500 plus GST and an annual renewal fee of ₹500 plus GST from the second year onwards. The annual fee can be waived entirely if you spend ₹2,00,000 or more during the card membership year, which translates to approximately ₹16,667 per month—a reasonable threshold for the card’s target audience. Add-on cards for family members come at no additional cost, making it economical to extend the card’s benefits to your spouse or parents. New cardholders receive a welcome bonus of 2,500 Edge Reward Points worth ₹500 after completing 3 transactions within the first 30 days of card activation, effectively offsetting the first year’s joining fee.

The credit limit assigned on the Samsung Axis Bank Signature Credit Card varies based on your income, credit score, existing relationship with Axis Bank, and overall credit profile, typically starting around ₹50,000 for new applicants and going higher for established customers with strong credit histories. The card charges an interest rate of 3.75% per month (approximately 45% per annum) on revolving credit balances, which is standard for signature-tier cards, so it’s advisable to pay your full statement balance by the due date to avoid interest charges. Foreign currency transactions carry a 3.5% forex markup, which is higher than premium travel cards but typical for lifestyle-focused cards. The application process is fully digital and can be completed through Axis Bank’s website or the Samsung Shop app, with approval typically taking 3-7 business days after document verification. Required documents include PAN card, Aadhaar card, income proof (salary slips or ITR), and address proof.

Pros & Cons

How to Apply

Applying for the Samsung Axis Bank Signature Credit Card is a fully digital process that can be completed in minutes. Visit the official Axis Bank website or download the Samsung Shop app on your smartphone to begin your application. Click on the credit card section and select the Samsung Axis Bank Signature Credit Card option.

Fill in your personal details including name, contact information, PAN card number, employment details, and income information. Upload the required KYC documents such as Aadhaar card, PAN card, recent salary slips (for salaried) or ITR documents (for self-employed), and address proof. The bank may also request recent bank statements for income verification.

Submit your application and wait for the bank’s verification team to review your documents. This typically takes 3-7 business days. You may receive a call from the bank for additional verification. Once approved, your credit card will be dispatched to your registered address, and you can activate it through the Axis Mobile app, internet banking, or customer care. Complete 3 transactions within 30 days to unlock your welcome bonus of 2,500 Edge Reward Points.

Detailed Fee Structure

The Samsung Axis Bank Signature Credit Card comes with a nominal joining fee of ₹500 plus applicable GST, making it one of the most affordable signature-tier cards in the market. From the second year onwards, you’ll be charged an annual renewal fee of ₹500 plus GST, which can be easily waived by spending ₹2,00,000 or more during the card membership year. Add-on cards for family members are issued free of cost with no joining or annual fees.

Beyond the basic fees, cardholders should be aware of operational charges that apply as per standard banking norms. Cash withdrawal from ATMs attracts cash advance fees (typically 2.5% of transaction amount) plus interest charges from the date of withdrawal. Card replacement due to loss, theft, or damage incurs replacement charges. Late payment fees apply if you miss your payment due date, calculated based on the outstanding amount. Foreign currency transactions carry a 3.5% forex markup fee. All fee structures are subject to GST as per government regulations. The interest rate of 3.75% per month (approximately 45% per annum) applies on revolving credit balances, so it’s advisable to pay your full statement balance on time to avoid interest charges.

Who Should Get This Card?

The Samsung Axis Bank Signature Credit Card is ideal for Samsung ecosystem users who regularly purchase or upgrade Samsung products including smartphones, tablets, wearables, TVs, and home appliances. If you’re planning to buy Samsung products worth ₹1-2 lakhs annually, the 10% cashback alone (up to ₹10,000) pays for the card multiple times over, making it a no-brainer for Samsung enthusiasts.

This card also suits urban professionals and families who spend heavily on lifestyle categories like online groceries, food delivery, fashion, and healthcare through partners like BigBasket, Zomato, Myntra, Tata1mg, and UrbanCompany. The 10% reward rate on these platforms significantly boosts savings on daily essentials. Additionally, occasional domestic travelers who take 3-4 flights per year will appreciate the complimentary airport lounge access, provided they maintain the ₹50,000 quarterly spending threshold. If you’re looking for an entry-level lifestyle card with strong category-specific rewards and low annual fees, this card deserves serious consideration.

Alternatives & Competitor Comparison

Feature	Samsung Axis Bank Signature Credit Card	Airtel Axis Bank Credit Card
Card Image
Card Network	Visa	RuPay
USP	The Samsung Axis Bank Signature Credit Card delivers 10% cashback on Samsung product purchases (up to ₹10,000 annually) and accelerated 10% rewards on lifestyle partners like BigBasket, Myntra, and Zomato, making it perfect for Samsung enthusiasts and urban shoppers who value both brand-specific savings and everyday lifestyle rewards.	The Airtel Axis Bank Credit Card offers up to 25% cashback on Airtel mobile, broadband, and DTH bill payments via the Airtel Thanks app, along with 10% cashback on utility bills and partner merchants like Swiggy, Zomato, and BigBasket. It also provides 1% cashback on all other spends, plus 4 complimentary domestic lounge visits per year, making it ideal for Airtel users who want maximum savings on everyday bills and dining with added travel perks.
Annual Fee	500 Plus GST	500 plus GST
Joining Fee	500 Plus GST	500 plus GST
Welcome Benefits	2,500 Edge reward points worth ₹500 credited after completing 3 transactions within 30 days of card activation	Amazon e-voucher worth ₹500 on the first transaction within 30 days of card issuance.
Lounge Access	Domestic: 1 per quarter On spends of ₹50,000 or more in the previous 3 calendar months	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months
Reward Rate	Earn 10 Edge reward points per ₹100 (10% reward rate) on select partners including BigBasket, Tata1mg, Myntra, Zomato, and UrbanCompany. On all other spends, earn 5 Edge reward points per ₹100 (5% reward rate). Additionally, get 10% cashback on Samsung product purchases capped at ₹2,500 monthly and ₹10,000 annually.	Earn 25% cashback on Airtel mobile, broadband, WiFi, and DTH bill payments via Airtel Thanks app (capped at ₹250/month), 10% cashback on utility bills via Airtel Thanks app (capped at ₹250/month), 10% cashback on Swiggy, Zomato, and BigBasket (capped at ₹500/month combined), and 1% unlimited cashback on all other spends including UPI on RuPay variant.
Interest Rate	3.75% per month (45% per annum)	3.6% per month (52.86% per annum)
Best For	N/A	Bill Payments, Food Ordering
Apply Now	Apply Now	Apply Now

Frequently Asked Questions