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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs City Union Bank SimplySAVE SBI Card

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

Axis Bank

Samsung Axis Bank Infinite Credit Card

8.2/10
Annual Fee₹5,000
Base Rewards0.2%
NetworkVisa
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City Union Bank

City Union Bank SimplySAVE SBI Card

6.8/10
Annual Fee₹499
Base Rewards0.16666666666666669%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardCity Union Bank SimplySAVE SBI Card
Annual Fee₹5,000₹499
Joining Fee₹5,000₹499
Fee Waiver Spend₹7,00,000₹1,00,000
Base Reward Rate0.2%0.16666666666666669%
Reward CurrencyEdge Reward PointsReward Points
NetworkVisaVisa
Editor Rating8.2/106.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Samsung Axis Bank Infinite Credit Card

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

City Union Bank SimplySAVE SBI Card

  • 1.67% on Dining
  • 1.67% on Movies
  • 1.67% on Grocery
  • 1.67% on Departmental Stores

Pros & Cons

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.

City Union Bank SimplySAVE SBI Card

Pros

  • 10X Reward Points on daily essentials like Dining, Movies, Departmental Stores, and Grocery.
  • Welcome bonus of 2,000 Reward Points effectively offsets the joining fee.
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh annual spend.
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

Cons

  • Very low base reward rate of 0.17% on non-category spends.
  • Accelerated rewards are capped at 5,000 points per month.
  • No complimentary airport lounge access or travel-specific benefits.

Our Verdict

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

Choose Samsung Axis Bank Infinite Credit Card if

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

Choose City Union Bank SimplySAVE SBI Card if

Low entry barrier and high rewards on common categories like groceries and dining.

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or City Union Bank SimplySAVE SBI Card?
Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, City Union Bank SimplySAVE SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Samsung Axis Bank Infinite Credit Card and City Union Bank SimplySAVE SBI Card?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while City Union Bank SimplySAVE SBI Card has an annual fee of ₹499. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or City Union Bank SimplySAVE SBI Card?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. City Union Bank SimplySAVE SBI Card offers 0.16666666666666669% base rewards with bonuses on Dining and Movies. The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Infinite Credit Card and City Union Bank SimplySAVE SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and City Union Bank SimplySAVE SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite Credit Card or City Union Bank SimplySAVE SBI Card?
For beginners, City Union Bank SimplySAVE SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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