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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs PhonePe HDFC Bank Uno 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

PhonePe HDFC Bank Uno Credit Card

8/10
Annual Fee₹499
Base Rewards0%
NetworkRuPay
View Full Details

Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardPhonePe HDFC Bank Uno Credit 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%
Reward CurrencyEdge Reward PointsCashPoints
NetworkVisaRuPay
Editor Rating8.2/108/10
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

PhonePe HDFC Bank Uno Credit Card

No accelerated rewards listed

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.

PhonePe HDFC Bank Uno Credit Card

Pros

  • 1:1 reward redemption ratio for statement credit (cashback)
  • Joining fee effectively zeroed out through welcome gift cards
  • Seamless UPI integration on RuPay network with rewards for scan & pay
  • Accelerated rewards on popular online brands like Amazon and Flipkart

Cons

  • No airport lounge access provided in this variant
  • Strict monthly caps of 500 points per category
  • No reward points on offline/in-store swipes (non-UPI)

Our Verdict

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

Users who heavily utilize PhonePe for bill payments, recharges, and travel bookings will benefit most from the 2% reward rate.

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or PhonePe HDFC Bank Uno Credit Card?
Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, PhonePe HDFC Bank Uno 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 PhonePe HDFC Bank Uno Credit Card?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while PhonePe HDFC Bank Uno Credit Card has an annual fee of ₹499. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. PhonePe HDFC Bank Uno Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or PhonePe HDFC Bank Uno 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. PhonePe HDFC Bank Uno Credit Card offers 0% base rewards. The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Infinite Credit Card and PhonePe HDFC Bank Uno Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and PhonePe HDFC Bank Uno 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 PhonePe HDFC Bank Uno Credit Card?
For beginners, PhonePe HDFC Bank Uno Credit 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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