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Scapia Axis Bank Credit Card
Mastercard
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 — worth checking whether you already hold the Federal Bank version before applying for both.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Mastercard
Card tier
Entry
Benefits by category
- ✈️ Travel
20% reward rate · Unlimited domestic lounge access on spending ₹20,000 in a billing cycle (requires monthly activity to retain)
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
Zero forex markup on all international transactions · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- Unlimited domestic lounge access on spending ₹20,000 in a billing cycle (requires monthly activity to retain)
- Zero forex markup on all international transactions
- Up to 20% back in Scapia Coins on eligible travel bookings via the Scapia app, 5% on UPI/RuPay 'Scan & Pay' spends of ₹500+, up to ₹2,000 back in Scapia Coins on eligible airport shopping
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
Cons
- − Lounge benefit requires hitting ₹20,000 spend every single billing cycle to retain
- − 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