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Scapia Axis Bank Credit Card
Launched September 2026, this moves the popular zero-forex Scapia travel card from Federal Bank onto Axis Bank rails (Mastercard and RuPay), keeping the lifetime-free, no-forex-markup pitch while adding a spend-gated unlimited domestic lounge perk. It's best suited to frequent domestic and international travellers who book through the Scapia app and can consistently clear the ₹20,000 monthly spend bar, since the lounge access switches off in any quiet-spend month. Fee-wise it undercuts most travel cards outright by charging nothing at all, making the opportunity cost of holding it essentially zero.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Travel: Up to 20% back in Scapia Coins on flight/hotel bookings via the Scapia app, plus up to ₹2,000 back on airport shopping/duty-free purchases
- Domestic lounge access: Unlimited domestic lounge access, unlocked in any billing cycle where card spend reaches ₹20,000
Benefits by category
- ✈️ Travel
20% reward rate · Unlimited domestic lounge access, but only unlocked in months where you spend ₹20,000+ on the card — miss the threshold in a cycle and the perk pauses until you clear it again
- 🏨 Hotel
Up to 20% back in Scapia Coins on eligible flight and hotel bookings made through the Scapia app, 5% back on UPI/RuPay 'Scan & Pay' spends of ₹500 or more, and up to ₹2,000 back in Scapia Coins on eligible airport shopping and duty-free purchases
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
Zero forex markup on all international transactions, on both online and swipe spends, with no cap on the waiver · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–65
Fees & charges
- Rewards redemption fee: No fee — Scapia Coins redeem directly within the Scapia app for flights, hotels, and shopping
- Foreign currency markup: 0%
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- Unlimited domestic lounge access, but only unlocked in months where you spend ₹20,000+ on the card — miss the threshold in a cycle and the perk pauses until you clear it again
- Zero forex markup on all international transactions, on both online and swipe spends, with no cap on the waiver
- Up to 20% back in Scapia Coins on eligible flight and hotel bookings made through the Scapia app, 5% back on UPI/RuPay 'Scan & Pay' spends of ₹500 or more, and up to ₹2,000 back in Scapia Coins on eligible airport shopping and duty-free purchases
Pros
- + Zero forex markup and lifetime free, like its Federal Bank predecessor
- + Unlimited domestic lounge access achievable with fairly low monthly spend
- + Strong rewards specifically on travel bookings and UPI spend
- + Bonus cashback on airport shopping via Scapia Coins adds a bit of value even outside flight-booking spend
- + No joining fee makes it a low-risk way to trial the Scapia ecosystem on Axis rails
Cons
- − Lounge benefit requires hitting ₹20,000 spend every single billing cycle to retain, unlike cards with a flat annual visit count
- − Overlaps heavily with the existing Federal Bank Scapia Credit Card — check you're not duplicating
- − Base 1% rate on non-travel, non-UPI spend is unremarkable
- − Coins are most valuable when redeemed through the Scapia app rather than as general-purpose cashback
Best for
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