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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs Paytm HDFC Bank Business Credit 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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HDFC Bank

Paytm HDFC Bank Business Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardPaytm HDFC Bank Business Credit Card
Annual Fee₹5,000₹500
Joining Fee₹5,000₹500
Fee Waiver Spend₹7,00,000₹50,000
Base Reward Rate0.2%1%
Reward CurrencyEdge Reward PointsCashPoints
NetworkVisaVisa
Editor Rating8.2/107.2/10
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

Paytm HDFC Bank Business Credit Card

  • 0% on Paytm Recharge, Utility, Mo... — 500 pts/month
  • 0% on Other Paytm Spends — 500 pts/month

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.

Paytm HDFC Bank Business Credit Card

Pros

  • 3% cashback on Paytm ecosystem including recharges, utilities, and movies
  • 1:1 redemption ratio (1 CashPoint = ₹1) when used for statement credit
  • Low annual fee waiver threshold of ₹50,000
  • Complimentary Paytm First Membership upon card activation

Cons

  • Monthly reward caps are relatively low (₹500 for 3% category)
  • No complimentary airport lounge access
  • Excludes rent and education spends from reward accrual

Our Verdict

Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Paytm HDFC Bank Business 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 Paytm HDFC Bank Business Credit Card if

Strong rewards on recurring business expenses like utility bills and recharges via Paytm.

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or Paytm HDFC Bank Business Credit Card?
Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Paytm HDFC Bank Business 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 Paytm HDFC Bank Business Credit Card?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while Paytm HDFC Bank Business Credit Card has an annual fee of ₹500. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. Paytm HDFC Bank Business Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or Paytm HDFC Bank Business Credit 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. Paytm HDFC Bank Business Credit Card offers 1% base rewards with bonuses on Paytm Recharge, Utility, Mo... and Other Paytm Spends. The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Infinite Credit Card and Paytm HDFC Bank Business Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and Paytm HDFC Bank Business Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite Credit Card or Paytm HDFC Bank Business Credit Card?
For beginners, Paytm HDFC Bank Business Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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