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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs HDFC Bank Infinia

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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HDFC Bank

HDFC Bank Infinia

9.8/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardHDFC Bank Infinia
Annual Fee₹5,000₹12,500
Joining Fee₹5,000₹12,500
Fee Waiver Spend₹7,00,000₹10,00,000
Base Reward Rate0.2%1.0989%
Reward CurrencyEdge Reward PointsReward Points
NetworkVisaVisa
Editor Rating8.2/109.8/10
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

HDFC Bank Infinia

  • 0% on SmartBuy Flights & Hotels
  • 0% on SmartBuy Shopping

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.

HDFC Bank Infinia

Pros

  • Unmatched 3.33% base reward rate on almost all retail spends.
  • 1:1 redemption ratio for flights, hotels, and premium brands like Apple and Tanishq.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Exclusive luxury hotel benefits including 2+1 night stays and complimentary buffets at ITC Hotels.

Cons

  • Strictly invite-only with very high income and relationship eligibility criteria.
  • Reward points are capped for specific categories like insurance and grocery.
  • High annual fee of ₹12,500 + GST, though offset by welcome points.

Our Verdict

HDFC Bank Infinia 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 Samsung Axis Bank Infinite Credit Card if

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

Choose HDFC Bank Infinia if

Seeking the highest reward rate in India with premium lifestyle and travel privileges.

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or HDFC Bank Infinia?
HDFC Bank Infinia 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 Samsung Axis Bank Infinite Credit Card and HDFC Bank Infinia?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while HDFC Bank Infinia has an annual fee of ₹12,500. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or HDFC Bank Infinia?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. HDFC Bank Infinia offers 1.0989% base rewards with bonuses on SmartBuy Flights & Hotels and SmartBuy Shopping. The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Infinite Credit Card and HDFC Bank Infinia?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and HDFC Bank Infinia can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite Credit Card or HDFC Bank Infinia?
For beginners, Samsung Axis Bank Infinite Credit Card may be more approachable with a lower annual fee of ₹5,000. However, evaluate based on your expected spending pattern rather than fee alone.

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