Samsung Axis Bank Infinite
DowngradeThe best Samsung discount in India, wearing a travel card's clothes.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 30,000 EDGE Reward Points (₹6,000 on Axis's own value chart) on 3 transactions within 30 days of issuance
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹42,000 a month
At ₹42,000 a month — ₹5,04,000 a year — on the everyday mix this card returns ₹5,000 gross (earn ₹5,000) against its ₹5,000 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #683
Why #683 Samsung Infinite falls in Axis's "other eligible cards" transfer bucket — the worst one, 20:1 (10:1 to ITC/SpiceJet/AirAsia) against the 5:2 Reserve/Magnus ratio, so a point here buys an eighth of the miles the headline implies. It is also closed to new applications, which is the part no earn rate can tell you.
Samsung Axis Infinite sits in the "other eligible cards" bucket of the Axis Points/Miles Transfer table — 20 EDGE Reward Points = 1 partner mile (10:1 to ITC, SpiceJet and AirAsia), an eighth of what Magnus and Reserve get at 5:2. The portal at ₹0.20 a point is the only sane exit, and Axis charges ₹99 a redemption and ₹199 a transfer on top. Our 1.0% prices the ₹0.20 in; the ₹0.40 EDGE house value does not apply to this card.
Best real exit: Accor Live Limitless (ALL) at ₹0.21/pt (10:1 transfer).
The take
Nobody bought this for the miles, and Axis knows it: 10% back on Samsung purchases, capped at ₹5,000 a month and ₹20,000 a year, is worth the entire ₹5,000 fee on a single phone. What the ₹5,000 does NOT buy is a travel card. The everyday earn is 5 EDGE Reward Points per ₹100 — 1% at the ₹0.20 Axis itself uses in the card's value chart — and the exclusion list is brutal: fuel, rent, utilities, telecom, insurance, education, government, gold, wallet loads and Samsung purchases themselves all earn zero. The 15-point tier on bigbasket, Zomato, Myntra, Tata 1mg and Urban Company plus all international spend is a real 3%, and eight domestic lounge visits plus a full Priority Pass membership with six international visits is a genuinely premium access stack for the money. But the points are the worst EDGE Reward Points Axis issues: this card transfers at 20 points to 1 partner mile, so a KrisFlyer seat is off the table and the portal is your only door. Axis has also closed the card to new applications and now routes applicants to the ₹500 Samsung Signature. Hold it for the Samsung cashback and the lounges; earn your miles on an Atlas.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹5,000/yr at stake · 5 spend bands
The charge ₹5,000/yr
The waiver ₹7,00,000 of spend in the year before renewal — about ₹58,333 a month — and the renewal fee is not charged.
Break-even ₹42,000 a month — ₹5,04,000 a year — is where this card's value crosses its fee.
At your spend
−₹2,000 a year, net of the fee, at ₹3,00,000 of annual spend
₹1,000 a year, net of the fee, at ₹6,00,000 of annual spend
₹12,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹36,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹60,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Axis Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton issuer-wide
- 15 Sep 2026 Wyndham splits its three flat free-night tiers into four a program these points reach
- 8 Sep 2026 Flying Blue splits award tickets into Light / Standard / Flex — a 25% rise for the same product a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 10% cashback on Samsung purchases including EMI — ₹5,000/month, ₹20,000/year cap pays the fee outright
- 15 EDGE Reward Points per ₹100 (~3%) on bigbasket, Zomato, Myntra, Tata 1mg, Urban Company AND all international spend
- 8 domestic lounge visits a year plus a full Priority Pass membership with 6 international visits
- 30,000-point welcome (₹6,000) for three transactions in the first 30 days; complimentary EazyDiner Prime
Watch out
- CLOSED to new applications — Axis redirects applicants to the ₹500 Samsung Axis Signature
- Worst transfer bucket Axis runs: 20 EDGE Reward Points = 1 partner mile (10:1 to ITC/SpiceJet/AirAsia)
- Fuel, rent, utilities, telecom, insurance, education, government, gold, wallet loads and Samsung spends earn ZERO points
- 3.5% forex plus a dynamic-currency markup that went 1.5% → 3.5% on 28 Aug 2026; ₹99 per redemption and ₹199 per partner transfer
- Since 28 Aug 2026 gift cards, Bridge Fees, Road Fees and Tolls earn nothing, and gift-card spend no longer counts toward any spend-based fee waiver or milestone
- ₹5,000 fee waives only at ₹7,00,000 of preceding-year spend; lounge access needs ₹50,000 in the prior 3 months
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 25 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Bengaluru → Colombo Economy 65,000 Axis EDGE Reward Points via Avios (BA / Qatar / Finnair) at 10:1 the play
- Chennai → Colombo Business 140,000 Axis EDGE Reward Points via Avios (BA / Qatar / Finnair) at 10:1 the play
- Mumbai → Delhi First 500,000 Axis EDGE Reward Points via Air Canada Aeroplan at 20:1 the play
Does your spend count toward the fee waiver?
not published — and we say which
₹7,00,000 a year is the bar that waives the ₹5,000 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Axis Bank states what the Samsung Axis Bank Infinite earns, but has not published which spend categories count toward the fee waiver — the ₹7,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Where the miles go
29 programs · 27 live
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every Axis Bank route, side by side → · the Axis EDGE Reward Points hub →
Lounge access
667 of 793 tracked doors
Gate: ₹50,000 of eligible spend in the previous 3 calendar months, w.e.f. 1 May 2024 (domestic) — waived for the month of issuance and the 3 calendar months after it on a newly issued card, but an UPGRADE does not count as a new issuance
Opens 667 of 793 tracked lounge doors across 265 airports , via Priority Pass Global — see the full map →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You can't, any more. Axis's own product page carries the notice: "We are currently not accepting applications for SAMSUNG AXIS BANK INFINITE Credit Card", and points applicants at the ₹500 Samsung Axis Bank Signature instead. Existing holders keep the construct — the card is still listed in Axis's Set B lounge program and in the current Key Fact Sheet at ₹5,000 — but the only way in now is an upgrade offer from Axis on the Signature variant.
per the official Axis Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
CLOSED TO NEW APPLICATIONS — Axis's product page redirects applicants to the ₹500 Samsung Axis Bank Signature; existing holders keep the construct. Joining ₹5,000 and annual ₹5,000, waived at ₹7,00,000 of preceding-year spend. Fuel surcharge refunded on transactions between ₹400 and ₹5,000, capped at ₹500 per statement cycle. 1% rent transaction fee (MCC 6513), 1% on education payments via third-party apps, and 1% on cumulative statement-cycle spends above ₹10,000 on wallet loads, ₹50,000 on fuel, ₹25,000 on utilities and ₹10,000 on skill-based gaming. Sits in Axis's worst transfer bucket at 20 EDGE Reward Points to 1 partner mile.
per the official Axis Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Nov 2026The Reserve's memberships stop renewing unless you say yesClub ITC Culinaire, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime and Priority Pass renewed automatically each year for as long as the card was open → From 15 Nov 2026 complimentary memberships linked to the card renew only with the cardholder's explicit consent — Axis says renewal and consent details will be shared closer to each renewal date. The same notice flips Priority Pass off at Indian domestic lounges from 28 Aug 2026 (present the Reserve card itself) and adds a ₹1,300 late-payment slab above ₹50,000 outstanding
The Reserve's whole defence of a ₹50,000 fee is the membership stack — Club ITC Culinaire with its free third night, Accorplus, handcrafted Club Marriott Asia Pacific, EazyDiner Prime, and the unlimited Priority Pass. Axis's own Reserve revision notice says that from 15 November none of them renew unless you actively consent. Framed as a choice, it works as breakage: the failure mode of an opt-in is silence, and a cardholder who misses the renewal email keeps paying ₹50,000 for a card whose benefits have quietly lapsed. Reserve is on the same list as Select, Magnus, Magnus for Burgundy, Burgundy Private, Olympus and both Miles & More cards, so this is the whole Axis premium book learning the same trick. Two other things ride the notice: from 28 August the Priority Pass card stops opening Indian domestic lounges — you present the Reserve itself against Axis's own eligible-lounge list, and post-immigration lounges at Indian international terminals still count as international — and a fifth late-payment slab of ₹1,300 appears above ₹50,000 outstanding. Notably, the Reserve notice carries no dynamic-currency-conversion line at all while the bank-wide grid goes 1.5% → 3.5%, and the card's 1.5% foreign transaction fee is untouched.
- 1 Nov 2026Privilege's movie buy-one-get-one becomes a spend gate
- 1 Nov 2026IndiGo Axis Premium's movie BOGO grows a ₹25,000 spend gate
- 1 Nov 2026The movie-BOGO spend gate reaches My Zone too — ₹25,000 in the previous 3 months
- 1 Nov 2026NEO's BookMyShow discount grows a ₹25,000 spend gate
- 1 Oct 2026SELECT's ₹3L milestone stops counting the spends it never rewarded
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 15 Sept 2026Wyndham splits its three flat free-night tiers into four
Every Axis Bank change we've dated → 38 events since 2019, 25 of them nerfs — worst year 2026.
Verified against Axis Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official Revision of Axis Bank Credit Card Terms and Conditions — the bank-wide notice: DCC 1.5% to 3.5%, and gift cards, Bridge Fees, Road Fees and Tolls out of rewards, from 28 Aug 2026
- official Samsung Axis Bank Infinite T&C — 5 EDGE Reward Points per ₹100 domestic, 15 per ₹100 on preferred merchants and all international spend
- official Axis product page — verbatim "We are currently not accepting applications for SAMSUNG AXIS BANK INFINITE Credit Card"
- official Axis Bank Key Fact Sheet, updated 12-Aug-2026 — Samsung Axis Infinite joining ₹5,000 / annual ₹5,000, waived at ₹7,00,000 preceding-year spend, 55.55% p.a.
- official Axis Bank Points/Miles Transfer ratio table — cards outside the Select/Privilege/REWARDS tier convert 20 EDGE Reward Points to 1 partner point
- official Axis Bank Domestic Airport Lounge Access Program — "Samsung Axis Bank Infinite Credit Card (8 complimentary lounge access per year)" under Set B