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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs Kotak Mahindra Bank Privy League Signature

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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Kotak Mahindra Bank

Kotak Mahindra Bank Privy League Signature

7.4/10
Annual Fee₹2,500
Base Rewards0.5%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardKotak Mahindra Bank Privy League Signature
Annual Fee₹5,000₹2,500
Joining Fee₹5,000Free
Fee Waiver Spend₹7,00,000₹5,00,000
Base Reward Rate0.2%0.5%
Reward CurrencyEdge Reward PointsKotak Reward Points
NetworkVisaVisa
Editor Rating8.2/107.4/10
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

Kotak Mahindra Bank Privy League Signature

  • 0% on Shopper's Plan
  • 0% on Traveller's Plan

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.

Kotak Mahindra Bank Privy League Signature

Pros

  • Flexible reward plans: Choose between Shopper's or Traveller's plan for 5X rewards.
  • High quarterly bonus: Earn 6,400 bonus points (worth ₹1,600) by spending just ₹1,000 monthly.
  • Complimentary movie benefits: 4 PVR tickets per quarter (or equivalent reward points).
  • Low forex markup: 2% markup on the paid variant is competitive for international travel.

Cons

  • High interest rate: APR increased to 45% p.a. effective June 2025.
  • Restrictive eligibility: Only available to Kotak Privy League banking customers.
  • Reward caps: New limits on utility, education, and insurance spends effective June 2025.

Our Verdict

Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Privy League Signature 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 Kotak Mahindra Bank Privy League Signature if

Best suited for those already maintaining a high-value relationship with Kotak to get the card LTF or with premium perks.

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or Kotak Mahindra Bank Privy League Signature?
Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Mahindra Bank Privy League Signature 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 Kotak Mahindra Bank Privy League Signature?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while Kotak Mahindra Bank Privy League Signature has an annual fee of ₹2,500. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. Kotak Mahindra Bank Privy League Signature offers a fee waiver on ₹5,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or Kotak Mahindra Bank Privy League Signature?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. Kotak Mahindra Bank Privy League Signature offers 0.5% base rewards with bonuses on Shopper's Plan and Traveller's Plan. The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Infinite Credit Card and Kotak Mahindra Bank Privy League Signature?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and Kotak Mahindra Bank Privy League Signature can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite Credit Card or Kotak Mahindra Bank Privy League Signature?
For beginners, Kotak Mahindra Bank Privy League Signature may be more approachable with a lower annual fee of ₹2,500. However, evaluate based on your expected spending pattern rather than fee alone.

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