HDFC Bank Biz Power Visa Credit Card vs Samsung Axis Bank Visa Signature Credit Card: Which is Better in 2026?
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In short: Samsung Axis has the lower annual fee (₹500 vs ₹2,500); HDFC Biz Power includes 16 airport lounge visits a year, Samsung Axis 4 airport lounge visits a year; HDFC Biz Power has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Biz Power | Samsung Axis |
|---|---|---|
| Annual fee | ₹2,500 | ₹500 |
| Joining fee | ₹2,500 | ₹500 |
| Annual fee waived | On ₹4 lakh annual spend | On ₹2 lakh annual spend |
| Lounge access | 16 airport lounge visits a year | 4 airport lounge visits a year |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Hdfc Bank Biz Power Visa Credit Card and the Samsung Axis Bank Visa Signature Credit Card both offer Visa network benefits but cater to different user needs. HDFC's Biz Power card focuses on business-related rewards and higher lounge access, while Axis Bank's Samsung card emphasizes lifestyle and shopping rewards with a lower fee structure. Comparing their fees, rewards, and travel perks helps identify which card suits your spending habits better.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Hdfc Bank Biz Power Visa Credit Card | Samsung Axis Bank Visa Signature Credit Card |
|---|---|---|
| Bank | HDFC Bank | Axis Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.2500 | Joining Fee of Rs.500 |
| Annual / renewal fee | Renewal Fee of Rs.2500 | Second Year Onwards Annual Fee of Rs.500 |
| Annual fee waiver | Spend Rs.4 Lakhs For Renewal Fee Waiver | Spend Rs.2 Lakhs For Annual Fee Waiver |
| Reward rate (headline) | Earn 4 Reward Points Per Rs.200 | Earn 5 EDGE Reward Points on Rs.100 |
| Lounge — domestic | 16 Complimentary Airport Lounge Access Per Year | 4 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | 6 Complimentary International Lounge Access | — |
| Welcome benefit | Get Amazon Prime Annual Membership | Welcome Benefits - 2500 EDGE Reward Points |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
Which is better for rewards?
The Hdfc Bank Biz Power Visa Credit Card provides a strong rewards program with 4 reward points per Rs.200 spent and accelerated 5X points on business-related categories such as bill payments, GST, and Google Ads, making it suitable for business users. In contrast, the Samsung Axis Bank Visa Signature Credit Card offers 5 EDGE Reward Points per Rs.100 spent and 10X points on popular lifestyle brands like BigBasket, Myntra, and Zomato, catering more to everyday consumer spending. Overall, HDFC's card has a more specialized rewards focus, while Axis Bank's card is better for lifestyle and shopping rewards.
Which is better for travel?
For travel benefits, the Hdfc Bank Biz Power Visa Credit Card offers significantly more lounge access with 16 domestic and 6 international complimentary airport lounges annually. The Samsung Axis Bank Visa Signature Credit Card provides only 4 domestic lounge accesses per calendar year and no international lounge access. Additionally, HDFC's card has a lower forex markup fee of 2% compared to Axis Bank's 3.5%, making it more cost-effective for foreign currency transactions. Thus, the HDFC card is better suited for frequent travelers seeking lounge privileges and lower forex charges.
Which has lower effective cost?
The Samsung Axis Bank Visa Signature Credit Card has a much lower joining and renewal fee of Rs.500 compared to HDFC's Rs.2500 fees. Its fee waiver threshold is also lower at Rs.2 lakhs annual spend versus Rs.4 lakhs quarterly spend for HDFC's renewal fee waiver. This makes the Axis Bank card more accessible and affordable for users with moderate spending. Conversely, the HDFC card's higher fees might be justified by its extensive rewards and travel benefits but may not suit beginners or low spenders.
Rewards Focus
The HDFC card targets business-related spending with accelerated points on bill payments, GST, and productivity tools, while the Axis Bank card focuses on lifestyle and shopping rewards across popular consumer brands.
Lounge Access and Forex Fees
HDFC offers a total of 22 lounge accesses including international lounges and a lower 2% forex markup, whereas Axis Bank provides only 4 domestic lounges and a higher 3.5% forex fee, making HDFC better for frequent international travelers.
Who should pick Hdfc Bank Biz Power Visa Credit Card?
Consider Hdfc Bank Biz Power Visa Credit Card if you are a business user or frequent traveler who values higher lounge access, accelerated rewards on business expenses, and lower forex markup fees. This card is also suitable if you can comfortably meet the higher fee waiver criteria and want complimentary Amazon Prime membership.
Who should pick Samsung Axis Bank Visa Signature Credit Card?
Consider Samsung Axis Bank Visa Signature Credit Card if you prefer a low-fee credit card with decent rewards on lifestyle and shopping categories like BigBasket, Myntra, and Zomato. It is a good choice for beginners or moderate spenders who want simple rewards and occasional lounge access without high annual fees.
Frequently Asked Questions
Hdfc Bank Biz Power Visa Credit Card charges Rs.2500 for joining and renewal, with a fee waiver on spending Rs.4 lakhs. Samsung Axis Bank Visa Signature Credit Card charges Rs.500 for joining and renewal, with a waiver on Rs.2 lakhs annual spend.
HDFC's Biz Power card offers 16 domestic and 6 international complimentary lounge accesses per year, while Axis Bank's Samsung card provides 4 domestic lounge accesses annually and no international lounges.
HDFC Biz Power card has a forex markup fee of 2%, whereas Samsung Axis Bank Visa Signature card charges 3.5% on foreign currency transactions.
HDFC Biz Power card offers an Amazon Prime annual membership as a welcome benefit, while Samsung Axis Bank Visa Signature card provides 2500 EDGE Reward Points as a welcome offer.
HDFC Biz Power card is better for business rewards with 5X points on bill payments, GST, Google Ads, and other productivity tools, unlike the Axis Bank card which focuses on lifestyle rewards.
Samsung Axis Bank Visa Signature Credit Card offers a 1% fuel surcharge waiver, while no fuel surcharge waiver is mentioned for HDFC Biz Power card.