Axis Samsung Infinite Credit Card

Joining fee: Rs.5000

Renewal fee: Rs.5000

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Welcome Benefits: Rs. 30,000 Rewards Points in 3 Transactions within 30 Days

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The Axis Bank Samsung Infinite Credit Card is a premium card for users who appreciate the finer aspects of life, this prestigious card provides access to a world of indulgence through its array of exceptional benefits. From complimentary golf privileges and personalized concierge services to accelerated reward points and attractive fuel surcharge waivers, the Samsung Axis Bank Infinite Credit Card ensures every experience is elevated to new heights of sophistication.

Features of Axis Samsung Infinite Credit Card

- - Exclusive metal credit card with a sleek design and Samsung branding
  - Complimentary Samsung Rewards membership with access to exclusive offers and discounts
  - Unlimited cashback on Samsung products and services (up to a certain limit)
  - Accelerated reward points earning on specific categories like travel, dining, and entertainment
  - Dedicated concierge service for travel bookings, reservations, and assistance
  - Comprehensive travel insurance coverage, including trip cancellation and baggage loss
  - Exclusive golf privileges at select courses and clubs
  - Complimentary airport lounge access (domestic and international)
  - Fuel surcharge waiver across all petrol pumps in India

Benefits of Axis Samsung Infinite Credit Card

- - Enjoy a prestigious and stylish credit card experience with Samsung branding
  - Save money on Samsung products and services with unlimited cashback (subject to limits)
  - Earn reward points faster on your favorite spending categories
  - Travel hassle-free with complimentary insurance, lounge access, and concierge services
  - Indulge in exclusive golf privileges at renowned clubs and courses
  - Save on fuel expenses with fuel surcharge waivers at all petrol pumps
  - Access to a range of discounts and offers through Samsung Rewards membership
  - Elevated customer service and priority handling for your banking needs

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Fees and Charges of Axis Samsung Infinite Credit Card

Annual Fees: The Axis Samsung Infinite Credit Card comes with a joining fee of ₹10,000 and an annual renewal fee of ₹10,000. However, this fee is reversed if you spend ₹8 lakhs or more in a year.

Add-on Card Fee: You can get up to 9 add-on cards for your family members or friends. The first add-on card is complimentary, but you’ll have to pay ₹2,500 per additional add-on card.

Foreign Currency Transaction Fee: For transactions made in foreign currencies, a markup of 3.5% is levied on the INR equivalent of the transaction amount.

Late Payment Fee: If you miss your due date, you’ll be charged a late payment fee of ₹100 for outstanding balances up to ₹500, ₹500 for balances between ₹501 and ₹5,000, and ₹700 for balances above ₹5,000.

Over-Limit Fee: If you exceed your credit limit, you’ll be charged an over-limit fee of 2.5% of the amount by which you’ve exceeded the limit, subject to a minimum of ₹500.

Interest Rates: The interest rate on the Axis Samsung Infinite Credit Card varies based on your credit history and profile. The current interest rates range from 3.49% per month (41.88% annualized) to 4.99% per month (59.88% annualized).

Cash Advance Charges: For cash withdrawals from ATMs or over the counter, you’ll be charged a transaction fee of 2.5% of the cash advance amount, subject to a minimum of ₹500.

Fuel Surcharge: There’s a fuel surcharge of 2.5% (subject to a minimum of ₹10) on fuel transactions at petrol pumps within India.

Railway Ticket Booking Surcharge: For booking railway tickets through the IRCTC website or app, a surcharge of 1.8% is levied on the transaction amount.

Eligibility for applying Axis Samsung Infinite Credit Card

Age Requirement: To be eligible for the Axis Samsung Infinite Credit Card, you must be between the ages of 21 and 65 years at the time of application.

Income Criteria: You need to have a minimum annual income of ₹10 lakhs from all sources to qualify for this premium credit card. This income threshold may vary based on your city or location.

Credit Score: A strong credit score, typically above 750, is essential for approval. Axis Bank will review your credit history and payment records to evaluate your creditworthiness.

Residence Status: You must be a resident Indian or a Non-Resident Indian (NRI) with a valid Indian address and identification documents to apply for this credit card.

Employment Status: Salaried individuals, self-employed professionals, and business owners with stable and verifiable income sources are eligible to apply.

Existing Axis Bank Relationship: If you already have an existing banking relationship with Axis Bank, such as a savings account or other credit cards, your chances of approval may be higher.

Documentation: You will need to provide various documents, such as identity proof, address proof, income proof (e.g., salary slips, income tax returns), and bank statements, among others, as per Axis Bank’s requirements.

Additional Factors: Axis Bank may consider factors like your existing credit card limits, credit utilization ratios, and overall financial profile to determine your eligibility for the Samsung Axis Bank Infinite Credit Card.

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Documents Required for Axis Samsung Infinite Credit Card

Identity Proof: You’ll need to provide a valid government-issued identity proof document. This could be your Permanent Account Number (PAN) card, Aadhaar card, voter ID card, or a valid passport.

Address Proof: The bank will require a document to verify your current residential address. Acceptable documents include recent utility bills (electricity, gas, or landline), bank statements, or a lease agreement.

Income Proof: As the Axis Samsung Infinite Credit Card is a premium offering, the bank will want to ensure you have a stable and sufficient income. You can provide your latest salary slips (for salaried individuals), Form 16, or income tax returns (for self-employed individuals).

Passport-sized Photographs: You’ll need to submit a few recent passport-sized photographs. These should be colored and have a plain background.

Bank Statement: The bank may ask for your recent bank statements to further verify your financial standing and transaction history.

Employment Details: If you’re a salaried individual, you may need to provide a copy of your employment letter or a recent salary slip that mentions your designation, employer’s name, and joining date.

Business Proof (for self-employed): If you’re self-employed, you’ll likely need to submit proof of your business, such as partnership deeds, registration certificates, or other relevant documents.

How to apply for Axis Samsung Infinite Credit Card?

Eligibility Check: Before applying, ensure you meet the eligibility criteria set by Axis Bank for the Samsung Infinite Credit Card. This typically includes a minimum annual income requirement, credit score, and other factors.

Gather Documents: Have the necessary documents ready, such as your PAN card, Aadhaar card, recent salary slips or income proof, bank statements, and any other documents required by the bank.

Online Application: Visit the official website of Axis Bank or the dedicated Samsung Infinite Credit Card page. Look for the “Apply Now” or “Apply Online” option. This will allow you to fill out the application form digitally.

Fill the Form: Provide accurate personal details, employment information, income details, and other required fields in the online application form. Double-check all the information before submitting.

Upload Documents: You will be prompted to upload the scanned copies or digital versions of the required documents. Ensure that the documents are clear and legible.

Submit Application: Review the application one final time, and then submit it. You may receive an acknowledgment or reference number for future tracking.

Additional Verification: Axis Bank may contact you for additional verification or clarification regarding your application. Be prepared to provide any further documents or information they request.

Credit Bureau Check: The bank will perform a credit bureau check to assess your creditworthiness and repayment capability. Maintain a good credit score to increase your chances of approval.

Processing Time: The processing time for credit card applications can vary, but it typically takes a few weeks. Be patient and wait for the bank’s decision.

Card Delivery: If your application is approved, the Samsung Axis Bank Infinite Credit Card will be dispatched to your registered mailing address within the specified timeframe.

Axis Samsung Infinite Credit Card Limit

The Samsung Axis Bank Infinite Credit Card offers a credit limit that is tailored to your individual financial profile and spending habits. Unlike many other credit cards with a fixed limit, the Infinite Card’s credit limit is flexible and can be adjusted based on your creditworthiness and repayment history.
While the bank does not disclose a specific maximum credit limit for the Infinite Card, it is generally understood that the card caters to high-net-worth individuals with substantial income and spending requirements. As such, the credit limit can be significantly higher than what is offered by standard credit cards.
The initial credit limit assigned to you upon card issuance is determined by factors such as your income, existing credit obligations, and credit score. However, as you demonstrate responsible credit behavior over time, Axis Bank may periodically review and increase your credit limit to accommodate your evolving needs.
One of the key advantages of the Infinite Card’s flexible credit limit is that it allows you to make high-value purchases without worrying about exceeding your limit. This can be particularly beneficial for frequent travelers, luxury shoppers, or those with substantial business expenses.
It’s important to note that while the Infinite Card offers a generous credit limit, it is still essential to manage your credit responsibly. Axis Bank encourages cardholders to maintain a healthy credit utilization ratio (the amount of credit used compared to the total credit limit) to maintain a good credit score and ensure continued access to higher credit limits.
If you find that your credit limit is not sufficient for your needs, you can reach out to Axis Bank’s customer service or your dedicated relationship manager to request a credit limit increase. The bank will review your request and make a decision based on your creditworthiness and overall financial profile.

Rewards and Cashback Axis Samsung Infinite Credit Card

Rewards:

- - Earn 5 Reward Points for every ₹100 spent on the Samsung Axis Bank Infinite Credit Card.
  - Redeem your accumulated Reward Points for a wide range of exciting rewards, including Samsung products, vouchers, gift cards, and more.
  - Enjoy accelerated earning of Reward Points when you shop at Samsung’s official online and offline stores.
  - Get exclusive access to Samsung’s Reward Catalog, offering a curated selection of premium merchandise and experiences.

Cashback:

- - Enjoy a generous 5% cashback on all Samsung product purchases made using the Samsung Axis Bank Infinite Credit Card.
  - Benefit from 2.5% cashback on utility bill payments, including electricity, gas, water, and broadband bills.
  - Receive 1.5% cashback on all other eligible purchases, making it a rewarding card for everyday spends.
  - The cashback is automatically credited to your credit card account, reducing your outstanding balance.

How to Redeem Earned Rewards and Cashback Points?

Rewards:

- - The Samsung Axis Bank Infinite Credit Card offers a wide range of rewards that can be redeemed for a variety of exciting options.
  - Cardholders can redeem their accumulated reward points for merchandise, gift vouchers, airline tickets, hotel stays, and more through the Axis Rewards website or mobile app.
  - To redeem rewards, simply log in to your account, navigate to the “Redeem Rewards” section, and browse through the available options.
  - You can filter the rewards based on categories, such as travel, lifestyle, or electronics, to find something that suits your preferences.
  - Once you’ve selected the desired reward, enter the required number of points, and complete the redemption process.
  - Keep an eye out for special offers and promotions, as Axis Bank frequently partners with popular brands to provide exclusive rewards and discounts.

Cashback:

- - In addition to rewards, the Samsung Axis Bank Infinite Credit Card offers lucrative cashback opportunities on various spending categories.
  - Cardholders can earn cashback on purchases made at select merchants, including Samsung products, dining, groceries, and more.
  - The cashback earned will be automatically credited to your credit card account, reducing your outstanding balance.
  - To redeem the cashback, simply use your credit card for eligible transactions, and the corresponding amount will be reflected in your statement.
  - Axis Bank periodically updates the cashback categories and partners, ensuring that cardholders can take advantage of attractive offers on their everyday spending.