Scapia Axis Bank Credit Card
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.
Travel & Lounge Fit Score
94/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
2 – 4
10 pts/₹100 · ₹0.2/pt
Forex Markup
0%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
31/35
Fee Value & ROI
25/25
Lounge & Perks
20/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
Scapia Axis Bank Credit Card Rewards
How you earn back on every swipe
points
Reward type
2% – 4%
Earn rate
10
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).
Scapia Axis Bank Credit Card has no joining fee and no annual fee.
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
Scapia Axis Bank Credit Card offers unlimited complimentary domestic airport lounge visits. Spend conditions apply, as detailed below.
Unlimited Visits
Domestic airport lounge access
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
🎉 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.
Scapia Axis Bank Credit Card FAQs
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.
What discounts and extra perks come with the Scapia Axis Bank Credit Card?
₹0 joining and ₹0 annual fee — lifetime free.
What are the exclusions and limits on the Scapia Axis Bank Credit Card?
The Scapia Axis Bank Credit Card does not earn rewards on fuel, rent, education, insurance, wallet loads, ATM cash withdrawals, credit-card fees/charges, EMI transactions, crypto transactions, gift cards and forex transactions. Certain high-value utility/telecom spends.
Scapia Axis Bank Credit Card Eligibility
To apply for Scapia Axis Bank Credit Card you need to be aged 18 to 70.
Employment type
Pros & Cons
- 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.
- 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.
Who is this card for?
Frequent travelers seeking a no-fee card with zero forex markup and high rewards on travel bookings.
Quick Links
Data last updated 10 Oct 2026
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Calculate your exact earnings with Scapia Axis Bank Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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