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Comparison · हिन्दी

Samsung Axis Bank vs Airtel Axis Bank

Both cards compared on real rupee returns for best Axis Bank co-branded credit card India Samsung vs Airtel. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
AXIS
SIGNATURE
ASHOK KUMAR
VS
AXIS
AIRTEL AXIS
ASHOK KUMAR
Our verdict
Airtel Axis Bank Credit Card wins for most people
Airtel Axis Bank wins decisively with ₹3,820 annual benefits versus Samsung Axis Bank's ₹1,180, delivering over three times more value. The Airtel card's 10% cashback on dining and utility bills drives the advantage, even after accounting for monthly caps.
Side-by-side comparison
Samsung Axis Bank Signature Credit Card Airtel Axis Bank Credit Card ✓
Annual benefit ₹1,180 ₹3,820
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + taxes (waived on ₹2,00,000/year spend) ₹500 + taxes (waived on ₹2,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10% cashback on Samsung products and services (capped at ₹2,500 a month and ₹10,000 a year); 10 EDGE points per ₹100 (2%) at Zomato, Urban Company, Tata 1mg, Myntra and BigBasket; 5 EDGE points per ₹100 (1%) on other spends; 1 EDGE point = ₹0.20 25% cashback on Airtel Mobile, Broadband, WiFi and DTH via Airtel Thanks (capped at 2x your 1% base cashback that month); 10% on utility bills via Airtel Thanks (capped at 1x base); 10% back on Zomato, Blinkit and District as partner credit (up to ₹200 each a month); 1% on other spends; no cashback on fuel, rent, wallets, insurance, education or government payments
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (1 per quarter) None (discontinued April 2026)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Samsung loyalists buying electronics, phones and appliances at Samsung stores or online Airtel subscribers wanting cashback on telecom and utility bills
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹15,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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When each card wins
Samsung Axis Bank Signature Credit Card
Samsung Axis Bank suits those who frequently buy Samsung electronics and regularly shop at partner merchants like Myntra and BigBasket. The 10% Samsung product cashback cap and 2% EDGE points on select platforms provide focused rewards for specific purchases.
Airtel Axis Bank Credit Card
Airtel Axis Bank excels for utility bill payers and frequent Zomato diners, where 10% cashback on both categories generates substantial rewards. The higher dining cashback ceiling and utility bill benefits create significantly better annual value for this spend profile.
Who should get which card
Get Samsung Axis Bank Signature if you…
· Frequent Samsung product buyers planning major electronics purchases
· Regular Myntra and BigBasket shoppers seeking concentrated rewards
· Those seeking 2% returns on Urban Company and Tata 1mg services
Get Airtel Axis Bank if you…
· Airtel service subscribers paying monthly broadband or mobile bills
· Regular Zomato users or those dining out frequently
· Anyone seeking 10% cashback on utility bill payments
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
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AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Airtel Axis Bank Credit Card offers better annual returns for most spend profiles.
Samsung Axis Bank Signature Credit Card has an annual fee of ₹500 + taxes (waived on ₹2,00,000/year spend). Airtel Axis Bank Credit Card has an annual fee of ₹500 + taxes (waived on ₹2,00,000/year spend).
Samsung Axis Bank Signature Credit Card offers 10% cashback on Samsung products and services (capped at ₹2,500 a month and ₹10,000 a year); 10 EDGE points per ₹100 (2%) at Zomato, Urban Company, Tata 1mg, Myntra and BigBasket; 5 EDGE points per ₹100 (1%) on other spends; 1 EDGE point = ₹0.20. Airtel Axis Bank Credit Card offers 25% cashback on Airtel Mobile, Broadband, WiFi and DTH via Airtel Thanks (capped at 2x your 1% base cashback that month); 10% on utility bills via Airtel Thanks (capped at 1x base); 10% back on Zomato, Blinkit and District as partner credit (up to ₹200 each a month); 1% on other spends; no cashback on fuel, rent, wallets, insurance, education or government payments.
Samsung Axis Bank Signature Credit Card lounge access: 4 domestic visits/year (1 per quarter). Airtel Axis Bank Credit Card lounge access: None (discontinued April 2026).
Samsung Axis Bank Signature Credit Card charges 3.5% forex markup. Airtel Axis Bank Credit Card charges 3.5% forex markup.