AU Ananta vs Samsung Axis Bank Infinite (2026)
The answer flips at ₹1.75L a month: AU Ananta below it, Samsung Axis Bank Infinite above.
Head to head
| AU Ananta | Metric | Samsung Axis Bank Infinite |
|---|---|---|
| #71 — wins this row | Our rank | #80 |
| ₹2,000 joining, then ₹2,000/yr — wins this row | Fee — joining · annual (+ GST) | ₹5,000/yr |
| ₹3,00,000 spend | Fee waiver | ₹7,00,000 spend |
| 3.49% + GST (Ananta sits in AU's bottom forex tier — Zenith+ gets 0.99%, ixigo AU 0%) — wins this row | Forex markup | 3.5% + GST, plus a 1.5% dynamic-currency-conversion markup |
| 3.75%/mo (45%/yr) — all AU retail cards except Zenith+ | APR | 3.75%/mo (55.55%/yr) — Axis standard tier |
| 0.5% | Headline earn rate | 1.0% — wins this row |
| AU Reward Points | Currency | Axis EDGE Reward Points |
| ₹0.25/pt | House value | ₹0.40/pt † |
| 8,000 Reward Points (₹2,000) on activation and first transaction within 30 days | Welcome benefit | 30,000 EDGE Reward Points (₹6,000 on Axis's own value chart) on 3 transactions within 30 days of issuance |
| 72 of 789 | Lounge doors opened | 731 of 789 — wins this row |
† Samsung Axis Bank Infinite: 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.
Neither issuer publishes an income floor for these two. AU Ananta is open to a direct application; Samsung Axis Bank Infinite is closed to new applications, and only grandfathered holders still have it. How people actually get Samsung Axis Bank Infinite is on its card page.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
AU Ananta wins under ₹1.75L/month; Samsung Axis Bank Infinite takes over above it.
Where the lead changes hands
The lead changes hands at ₹1.75L a month: AU Ananta is ahead by ₹4,255 at ₹0.25L, Samsung Axis Bank Infinite by ₹27,400 at ₹5L.
AU Ananta pays 4 annual spend milestones, the first at ₹2,50,000 a year, and Samsung Axis Bank Infinite pays none; AU Ananta charges twice — ₹2,000 to join, then ₹2,000 every year after.
AU Ananta draws above the line, Samsung Axis Bank Infinite below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | AU Ananta | Samsung Axis Bank Infinite | In front |
|---|---|---|---|
| ₹0.25L | ₹3,155 | −₹1,100 | AU Ananta by ₹4,255 |
| ₹0.5L | ₹7,560 | ₹2,800 | AU Ananta by ₹4,760 |
| ₹0.75L | ₹13,215 | ₹11,700 | AU Ananta by ₹1,515 |
| ₹1L | ₹20,120 | ₹15,600 | AU Ananta by ₹4,520 |
| ₹1.25L | ₹22,025 | ₹19,500 | AU Ananta by ₹2,525 |
| ₹1.5L | ₹23,930 | ₹23,400 | AU Ananta by ₹530 |
| ₹1.75L | ₹25,835 | ₹27,300 | Samsung Axis Bank Infinite by ₹1,465 |
| ₹2L | ₹27,740 | ₹31,200 | Samsung Axis Bank Infinite by ₹3,460 |
| ₹2.25L | ₹29,645 | ₹35,100 | Samsung Axis Bank Infinite by ₹5,455 |
| ₹2.5L | ₹31,550 | ₹39,000 | Samsung Axis Bank Infinite by ₹7,450 |
| ₹2.75L | ₹33,455 | ₹42,900 | Samsung Axis Bank Infinite by ₹9,445 |
| ₹3L | ₹35,360 | ₹46,800 | Samsung Axis Bank Infinite by ₹11,440 |
| ₹3.25L | ₹37,265 | ₹50,700 | Samsung Axis Bank Infinite by ₹13,435 |
| ₹3.5L | ₹39,170 | ₹54,600 | Samsung Axis Bank Infinite by ₹15,430 |
| ₹3.75L | ₹41,075 | ₹58,500 | Samsung Axis Bank Infinite by ₹17,425 |
| ₹4L | ₹42,980 | ₹62,400 | Samsung Axis Bank Infinite by ₹19,420 |
| ₹4.25L | ₹44,885 | ₹66,300 | Samsung Axis Bank Infinite by ₹21,415 |
| ₹4.5L | ₹46,790 | ₹70,200 | Samsung Axis Bank Infinite by ₹23,410 |
| ₹4.75L | ₹48,695 | ₹74,100 | Samsung Axis Bank Infinite by ₹25,405 |
| ₹5L | ₹50,600 | ₹78,000 | Samsung Axis Bank Infinite by ₹27,400 |
Transfer reach
Only Samsung Axis Bank Infinite
- Singapore Airlines KrisFlyer
- Finnair Plus (Avios)
- Qatar Airways Privilege Club (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
AU Ananta · 2 more →
- ₹0.25/point, closed loop — absent from Air India's AU transfer table (Zenith+/Zenith/Vetta convert; Ananta doesn't), ₹99 + GST per redemption
- 0.5% base earn; even the 5X categories pay just 1.25% — and are capped at 5,000 RP a statement cycle
- Lounge visits require ₹5,000 of AU Rewardz flight bookings in the same quarter
Samsung Axis Bank Infinite · 2 more →
- 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
The call
For the ₹1L/month spender, AU Ananta nets ₹20,120 against ₹15,600 — a ₹4,520 gap. At ₹5L/month, Samsung Axis Bank Infinite nets ₹78,000 against ₹50,600 — a ₹27,400 gap. Lounge chasers: Samsung Axis Bank Infinite opens 731 of 789 tracked doors to AU Ananta's 72.
Our standing verdicts: AU Ananta — Cancel; Samsung Axis Bank Infinite — Downgrade. On our board, AU Ananta sits at #71 to Samsung Axis Bank Infinite's #80 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, AU Ananta or Samsung Axis Bank Infinite?
AU Ananta. It sits at #71 on our board to Samsung Axis Bank Infinite's #80. They split the 8 rounds we can score 4–4; the board rank is the tiebreak. AU Ananta wins under ₹1.75L/month; Samsung Axis Bank Infinite takes over above it.
AU Ananta or Samsung Axis Bank Infinite — which earns more at ₹3L a month?
At ₹3L a month, Samsung Axis Bank Infinite nets ₹46,800 against ₹35,360 — a ₹11,440 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, AU Ananta or Samsung Axis Bank Infinite?
AU Ananta — ₹2,000 joining, then ₹2,000/yr against ₹5,000/yr. AU Ananta waives its fee at ₹3,00,000 of spend; Samsung Axis Bank Infinite at ₹7,00,000 of spend.
Which gets you into more airport lounges, AU Ananta or Samsung Axis Bank Infinite?
Lounge chasers: Samsung Axis Bank Infinite opens 731 of 789 tracked doors to AU Ananta's 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: AU Ananta on 2026-08-01, Samsung Axis Bank Infinite on 2026-07-26. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.