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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs Delhi Metro 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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SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardDelhi Metro 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%0.25%
Reward CurrencyEdge Reward PointsReward Points
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

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

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.

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

Our Verdict

Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro 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 Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or Delhi Metro SBI Card?
Samsung Axis Bank Infinite Credit Card edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro 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 Delhi Metro SBI Card?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while Delhi Metro SBI Card has an annual fee of ₹499. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or Delhi Metro 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. Delhi Metro SBI Card offers 0.25% 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 Delhi Metro SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and Delhi Metro 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 Delhi Metro SBI Card?
For beginners, Delhi Metro 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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