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Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit Card vs Samsung Axis Bank Infinite Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
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Axis Bank

Samsung Axis Bank Infinite Credit Card

8.2/10
Annual Fee₹5,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureKotak Infinite Credit CardSamsung Axis Bank Infinite Credit Card
Annual FeeFree₹5,000
Joining FeeFree₹5,000
Fee Waiver SpendN/A₹7,00,000
Base Reward Rate0.5599999999999999%0.2%
Reward CurrencyReward PointsEdge Reward Points
NetworkVisaVisa
Editor Rating8.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

Samsung Axis Bank Infinite Credit Card

  • 0% on Preferred Partners (Zomato,...
  • 0% on International Spends
  • 0% on Other Domestic Spends

Pros & Cons

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

Samsung Axis Bank Infinite Credit Card

Pros

  • Flat 10% cashback on Samsung products (Smartphones, TVs, Appliances) throughout the year.
  • High reward rate of 15 Edge Points per ₹100 on international spends and preferred partners like Zomato and Myntra.
  • Generous welcome benefit of 30,000 Edge Reward Points worth ₹6,000.
  • Comprehensive lounge access with 8 domestic and 6 international visits annually.

Cons

  • Samsung cashback is capped at ₹5,000 per month and ₹20,000 per year.
  • High annual fee of ₹5,000 with a steep waiver threshold of ₹7 Lakhs.
  • Domestic lounge access is subject to a minimum spend of ₹50,000 in the previous 3 months.

Our Verdict

Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

Choose Samsung Axis Bank Infinite Credit Card if

Best-in-class 10% cashback on all Samsung ecosystem purchases including EMI transactions.

Frequently Asked Questions

Which is better: Kotak Infinite Credit Card or Samsung Axis Bank Infinite Credit Card?
Kotak Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Infinite Credit Card and Samsung Axis Bank Infinite Credit Card?
Kotak Infinite Credit Card has no annual fee, while Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or Samsung Axis Bank Infinite Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. Samsung Axis Bank Infinite Credit Card offers 0.2% base rewards with bonuses on Preferred Partners (Zomato,... and International Spends. The better choice depends on your primary spending categories.
Can I have both Kotak Infinite Credit Card and Samsung Axis Bank Infinite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit Card and Samsung Axis Bank Infinite Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Kotak Infinite Credit Card or Samsung Axis Bank Infinite Credit Card?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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