Samsung Axis Bank Signature Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns EDGE REWARD Points
First-year fee
₹500 to join.
₹500 (Primary Card)Annual fee
₹500 a year.
₹500 2nd year onward; Annual fee waived off on annual spends greater than ₹2,00,000What it gives back
5 EDGE REWARD Points per ₹100 · everyday spends
How it compares
Compared with the cards we have read
Fees
Annual fee
₹500 a year.₹500 2nd year onward; Annual fee waived off on annual spends greater than ₹2,00,000
Joining fee
₹500 to join.₹500 (Primary Card)
Fee waiver rule
Annual Fee: 500 2nd year onward Annual fee waived off on annual spends greater than ₹2,00,000/.
Add-on card fee
Joining fee – Add-on Card Waived; Annual fee – Add-on Card Waived.
Welcome offer
Welcome benefit
2500 EDGE REWARD Points on doing 3 transactions within 30 days from card issuance date.
Rewards
Reward rate
5 EDGE REWARD Points per ₹100 · everyday spends5 EDGE REWARD Points on every ₹100 spent on all other domestic and international transactions.
Reward exclusions
No cashback is earned on fuel transaction.
Reward caps
10% cashback on Samsung purchases (including EMI transactions); cashback is capped at ₹2,500 per month and ₹10,000 per annum.
Statement-credit redemption
Cashback on Samsung purchases is credited directly in the credit card statement.
Card benefits
Domestic lounge access
4 complimentary lounge visits per calendar year at select domestic airports. Access to domestic airport lounges will be based on a minimum eligible spend of ₹50,000 in previous 3 months (effective May 01, 2024).
Hotel or travel programme
Exciting offers every Wednesday: instant savings of up to 15% on flights & hotels via Goibibo and Makemytrip.
Dining programme
15% off upto ₹500, can be availed once per month at 4000+ partner restaurants in India, minimum order value ₹2500.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver up to ₹500 per statement on transactions between ₹400-4000; GST on fuel surcharge is non refundable.
Purchase to EMI conversion
A transaction of ₹2500 or more can be converted into easy EMIs by contacting the bank.
Charges
Forex markup
3.5% on foreign currency transactions.3.5% of the transaction value
Dynamic currency conversion markup
3.5% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation
Cash advance fee
2.5% (Min. ₹500) of the cash amount.
Interest on unpaid balance
3.75% per month (55.55% per annum)
Interest-free period
20 to 50 days interest-free when you pay in full.
Late payment fee
Nil if total payment due is up to ₹500; ₹500 if between ₹501 and ₹5,000; ₹750 if between ₹5,001 and ₹10,000; ₹1,200 if between ₹10,001 and ₹50,000; ₹1,300 if greater than ₹50,000
Over-limit fee
Over-limit Fees: 2.5% of Over-limit Amount (Min ₹500).
Payment return or dishonour fee
Cheque Return or Dishonour Fee or Auto Debit Reversal: 2% of payment amount; minimum ₹500.
Statement or duplicate statement fee
Duplicate Statement Fee: Waived
Card replacement fee
Replacement fee: Waived
Cash payment / cash deposit fee
Fees for Cash Payment at Branches: ₹175.
Education / school fee charge
Education Transaction Fee: 1% on each Education Payments made via third party apps for all Axis Bank credit cards.
Fee for paying the bill by cheque
Outstation cheque fee: Waived
Fee on online skill-based gaming spends
Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms i.e. in a statement cycle.
Wallet load charge
Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.
What the card's fee or benefit year means
Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter
Fuel transaction fee
1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.
Rent transaction fee
Rent Transaction fee: 1% of each Rental Transaction Amount for all Axis Bank Credit Cards.
Utility transaction fee
Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more on utilities per statement cycle.
GST note
GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India
Grace days after the due date
Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.
Minimum amount due
Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100
Eligibility
Age the primary cardholder must be
Primary cardholder should be between the age of 18 and 70 years.
Ways to redeem your points
In the terms, not the brochure (2)
What happens to unredeemed points if the card is closed
Effective 1st Oct 2025, unredeemed EDGE REWARD Points/Miles are forfeited 30 days after credit card closure, or if the minimum amount due remains outstanding for more than 90 days
Whether carrying a balance ends the interest-free period
The Free Credit Period is lost if the Total Amount Due of the previous month is not paid by the Payment Due Date.
How we know - 6 documents from Axis Bank, checked 8 Nov 2026
₹500 a year
ApplyThe Sunday Statement.
Every Sunday. What your bank changed this week — before your statement tells you.