Samsung Axis Bank Signature Credit Card
CardIQ
Strong
Overall score, out of 100 · How this works
- Airport lounge81
- Cashback79
- Rewards85
- Sign-up bonus63
- Travel71
Customer reviews
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Pros & cons
What's good
- 2,500 bonus points to start, worth around ₹2,500 at our ₹1-per-point valuation.
- The ₹500 annual fee is low: it undercuts the ₹750 median.
- Complimentary airport lounge access (4 visits a year).
- Earns cashback on eligible spending.
- Earns 0.1 points per ₹1 on ATO and government payments, the same rate as everyday spend.
Worth noting
- Joining fee ₹500 in year 1. Annual fee ₹500 from 2nd year onward; waived on annual spends greater than ₹2,00,000. Add-on card joining and annual fee waived. GST applicable as per government norms (not included in stated amounts).
Card details
The basics
- Additional cardholder fee
- ₹0 p.a.
- Card tier
- Signature
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- Axis Bank EDGE Miles
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Resident of India
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- 45.00% p.a.
- Purchases
- 45.00% p.a.
Fees
- Additional cardholder fee
- ₹0
- Annual fee
- ₹500 p.a.
- Annual fee (year 2+)
- ₹500 p.a.
- Cash advance fee
- 2.5% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- ₹1,300
Repayments
- Interest-free period
- Not published
- Minimum repayment
- Minimum Amount Due (MAD)
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- None
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- —
Cashback
- Cashback cap
- ₹2,500 per month
- Ongoing cashback
- 10% on eligible spend
10% cashback on Samsung purchases including EMI transactions. Capped at INR 2,500 per month and INR 10,000 per annum. Credited directly to credit card statement.
Sign-up bonus
- Bonus spend required
- 3 transactions within 30 days from card issuance date
- Sign-up bonus
- 2,500 points
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- Axis Bank