What is the annual fee for Scapia Axis Bank Credit Card?

The annual fee for Scapia Axis Bank Credit Card is nil (no annual fee).

What is the joining fee for Scapia Axis Bank Credit Card?

The one-time joining fee for Scapia Axis Bank Credit Card is nil (no joining fee).

What are the rewards and benefits of Scapia Axis Bank Credit Card?

Scapia Axis Bank Credit Card earns points rewards. Reward rate ranges from 2% to 4%. You earn 10 points per ₹100 spent.

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Axis Bank

Scapia Axis Bank Credit Card

Name: Scapia Axis Bank Credit Card
Brand: Axis Bank
Availability: InStock

The Scapia Axis Bank Credit Card is a Lifetime Free + 0% Forex + ~2% base travel value + ~4% Scapia travel value + spend-based unlimited domestic lounges.

Co-branded

CardCheck ScoreElite

Top Category Performance

Travel & Lounge (94/100)

Best for: Travel rewards and zero forex markup

Joining Fee

Free

Annual Fee

Free

Reward Rate (%)

2 – 4

10 pts/₹100 · ₹0.2/pt

Forex Markup

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Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

EliteScore / 100

Reward Power

31/35

Fee Value & ROI

25/25

Lounge & Perks

20/20

Forex & Access

14/20

Category Strengths Breakdown

Ranked by strongest spend category

Travel & Lounge

94/100

Zero Fee & Starter

94/100

RuPay UPI Payments

88/100

Online Shopping

84/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

Scapia Axis Bank Credit Card Benefits

2% effective travel value on eligible Mastercard online/offline spends.

4% effective travel value on eligible Scapia-app travel/e-commerce bookings.

1% effective value on eligible RuPay/UPI and other RuPay spends of ₹500+.

Zero forex markup on international transactions.

₹0 joining and ₹0 annual fee — lifetime free.

Rewards have no maximum earning cap advertised.

Unlimited domestic lounge access* after meeting the ₹20,000 monthly spend condition.

Up to ₹1,000 back in Scapia Coins on eligible domestic airport dining/shopping.

1% fuel surcharge waiver on eligible fuel transactions.

Mastercard + RuPay combination provides international acceptance plus credit-card UPI.

Scapia Axis Bank Credit Card Rewards

How you earn back on every swipe

Point Formula: 10 pts / ₹100 spent · 1 pt = ₹0.2

2% Base Return

points

Reward type

2% – 4%

Earn rate

Points / ₹100

₹0.2

Per point

Scapia Axis Bank Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining feeFree

Annual feeFree

Interest rate (APR)55.5%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹500)

Over-limit fee2.5%

Forex markup0%

Fuel surcharge waiverYes

Important: 10% reward ≠ 10% cashback (₹10,000 eligible Mastercard spend → 1,000 Scapia Coins → ₹200 travel value = 2%)

Scapia Axis Bank Credit Card Lounge Access

Airport perks included with this card

Unlimited Visits

Domestic airport lounge access

Spend Requirement: Domestic Lounge: Unlimited, subject to ₹20,000 preceding-month spend

Things to Keep in Mind

Fuel
Rent
Education
Insurance
Wallet loads
ATM cash withdrawals
Credit-card fees/charges
EMI transactions
Crypto transactions
Gift cards
Forex transactions
Certain high-value utility/telecom spends

Card Features

Metal Card

Contactless

UPI Linked

Lifetime Free

🎉 Zero Annual Fee — 100% Net Profit

Scapia Axis Bank Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Scapia Axis Bank Credit Card Eligibility

Age18+ yrs – 70

CIBIL scoreCardCheck Estimate

720+

Employment type

SalariedSelf employed

Pros & Cons

Pros

Lifetime free with genuinely strong travel benefits.
Excellent 0% forex markup.
Effective 2% value on regular eligible Mastercard spending.
Effective 4% value on eligible Scapia bookings.
Unlimited domestic lounge access after meeting the spend threshold.
RuPay companion option makes the card useful for UPI payments.
No advertised cap on regular reward earning.
Up to ₹1,000 domestic airport dining/shopping benefit.

Cons

Rewards are locked into the Scapia ecosystem rather than cash.
Headline “10% rewards” is actually only ~2% monetary value.
RuPay/UPI earns only ~1% effective value.
RuPay transactions need to be ₹500+ to earn the advertised 5% Scapia Coins.
Lounge privileges require ₹20,000 monthly spend.
Large number of reward-excluded categories.
Rent, high utility, wallet and some education spends attract extra fees.
Very new card, so some detailed Axis-specific lounge/reward T&Cs may still evolve.