SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for samsung, shopping, and preferred partners, and you want your rewards as simple, no-tracking cashback.
Why it can work
It combines complimentary airport lounge access and accelerated rewards on samsung purchases (eligible online & offline channels).
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Fuel, rent, and utilities don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback and edge reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Cashback And Edge Reward Points/yr |
|---|---|---|
| Other spends | Rs 8,000 | 4,800 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
10% Cashback on Samsung purchases (up to Rs 2,500/month) on samsung purchases (eligible online & offline channels), auto-credited with no points to manage.
Best for airport lounge access
4 complimentary lounge visits a year across domestic and international.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and utilities
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Samsung purchases (eligible online & offline channels) | 10% Cashback on Samsung purchases (up to Rs 2,500/month) | 2,500 cashback and edge reward points |
| Preferred partners (BigBasket, Myntra, Tata 1mg, Urban Company, Zomato) | 10 EDGE REWARD Points / Rs 100 spent (2.0% return value) | - |
| Other eligible retail spends | 5 EDGE REWARD Points / Rs 100 spent (1.0% return value) | - |
Redemption
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| airasia | airasia rewards | 10:1 | Group B | 4,00,000 cashback and edge reward points |
| Air Canada | Aeroplan | 20:1 | Group A | 1,00,000 cashback and edge reward points |
| Air France-KLM | Flying Blue | 20:1 | Group B | 4,00,000 cashback and edge reward points |
| Air India | Maharaja Club | 20:1 | Group B | 4,00,000 cashback and edge reward points |
| British Airways | The British Airways Club | 10:1 | Group A | 1,00,000 cashback and edge reward points |
| Ethiopian Airlines | ShebaMiles | 20:1 | Group A | 1,00,000 cashback and edge reward points |
| Etihad Airways | Etihad Guest | 20:1 | Group A | 1,00,000 cashback and edge reward points |
| Finnair | Finnair Plus | 10:1 | Group A | 1,00,000 cashback and edge reward points |
| Japan Airlines | JAL Mileage Bank | 20:1 | Group A | 1,00,000 cashback and edge reward points |
| Qantas | Qantas Frequent Flyer | 20:1 | Group B | 4,00,000 cashback and edge reward points |
| Singapore Airlines | KrisFlyer | 20:1 | Group A | 1,00,000 cashback and edge reward points |
| SpiceJet | SpiceClub | 10:1 | Group B | 4,00,000 cashback and edge reward points |
| Thai Airways | Royal Orchid Plus | 20:1 | Group A | 1,00,000 cashback and edge reward points |
| Turkish Airlines | Miles&Smiles | 20:1 | Group A | 1,00,000 cashback and edge reward points |
| United Airlines | MileagePlus | 20:1 | Group A | 1,00,000 cashback and edge reward points |
| Vietnam Airlines | Lotusmiles | 10:1 | Group A | 1,00,000 cashback and edge reward points |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 20:1 | Group B | 4,00,000 cashback and edge reward points |
| ITC Hotels | Club ITC | 10:1 | Group B | 4,00,000 cashback and edge reward points |
| Orchid Hotels | Orchid Rewards | 20:1 | Group B | 4,00,000 cashback and edge reward points |
| The Postcard Hotel | The Postcard Sunshine Club | 20:1 | Group B | 4,00,000 cashback and edge reward points |
| Radisson Hotels | Radisson Rewards | 20:1 | Group B | 4,00,000 cashback and edge reward points |
| Wyndham Hotels & Resorts | Wyndham Rewards | 20:1 | Group B | 4,00,000 cashback and edge reward points |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- Fuel transactions
- Rent payments
- E-wallet loading transactions
- Insurance premium payments
- Utilities and telecom spends
- Government services spends
- Educational institution payments
- Purchase of gold or jewellery
- Online skill-based gaming spends
- Transactions excluded under Samsung Axis Bank Signature Credit Card terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 2,500 EDGE REWARD Points on completing 3 transactions within 30 days of card issuance
Additional benefits
- 1% fuel surcharge waiver on transactions from Rs 400 to Rs 4,000, capped at Rs 500 per statement
- Dining Delights offer of 15% off up to Rs 500 once per month at participating restaurants
- Convert transactions of Rs 2,500 or more into EMI
Additional details
- Travel EDGE transfers for Other cards are capped at 5,00,000 EDGE REWARD Points per customer ID per calendar year, including up to 1,00,000 to Group A partners and 4,00,000 to Group B partners.
- Minimum 300 EDGE REWARD Points are required per partner-transfer request.
Eligibility
Check this before you apply.
Salaried
- Age: 18 to 70 years
- Minimum Net Monthly Salary: Rs 25,000
- Resident of India
Self-employed
- Age: 18 to 70 years
- Minimum Annual Income (ITR): Rs 3,50,000
- Resident of India
Compare before you decide
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