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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs SBI Card - Tata Croma Card SELECT

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

SBI Card - Tata Croma Card SELECT

8.2/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardSBI Card - Tata Croma Card SELECT
Annual Fee₹5,000₹2,999
Joining Fee₹5,000₹2,999
Fee Waiver Spend₹7,00,000₹3,00,000
Base Reward Rate0.2%1%
Reward CurrencyEdge Reward PointsEmpower Point
NetworkVisaVisa
Editor Rating8.2/108.2/10
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

SBI Card - Tata Croma Card SELECT

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.

SBI Card - Tata Croma Card SELECT

Pros

  • High 5% value back at select Tata outlets like Westside and Taj
  • Direct 2% value back on all Croma and cromaretail.com purchases
  • Welcome and Anniversary vouchers of ₹3,000 effectively cover the annual fee
  • Generous 3% reward rate on Dining, Groceries, and International spends

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh
  • Rewards are primarily optimized for the Tata ecosystem redemption
  • No complimentary international lounge access despite the premium fee

Our Verdict

SBI Card - Tata Croma Card SELECT 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 SBI Card - Tata Croma Card SELECT if

Excellent value back across Croma, Westside, Taj, and other Tata brands.

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or SBI Card - Tata Croma Card SELECT?
SBI Card - Tata Croma Card SELECT 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 SBI Card - Tata Croma Card SELECT?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. SBI Card - Tata Croma Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or SBI Card - Tata Croma Card SELECT?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. SBI Card - Tata Croma Card SELECT offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Infinite Credit Card and SBI Card - Tata Croma Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and SBI Card - Tata Croma Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite Credit Card or SBI Card - Tata Croma Card SELECT?
For beginners, SBI Card - Tata Croma Card SELECT may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

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