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4.4/ 53 cards selected · tap any row to highlight
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Scapia Federal Bank Credit Card
Federal Bank
Axis Bank Atlas Credit Card
Axis Bank
Regalia Gold Credit Card
HDFC Bank
- CardCheck Score
- 94Best
- 78
- 82
- Rating Verdict
- Elite
- Very Good
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 18/20
- 18/20
- Forex & Access (20%)
- 14/20
- 8/20
- 12/20
- Bank
- Federal Bank
- Axis Bank
- HDFC Bank
- Network
- RuPay
- Visa
- Mastercard
- Card type
- Co-branded
- Premium
- Premium
- Best for
- International travellers — zero forex + travel coins on every spend
- Travel rewards — EDGE Miles for flights and hotel stays
- Travel rewards
- Joining fee
- FreeBest
- ₹5,000
- ₹2,500
- Annual fee
- FreeBest
- ₹5,000
- ₹2,500
- Fee waiver
- —
- ₹7,50,000
- ₹4,00,000Best
- Interest-free days
- 48
- 50Best
- 50Best
- APR (min)
- 45%
- 55.55%
- 43.2%Best
- APR (max)
- 45%Best
- 55.55%
- 45%Best
- Late payment fee
- ₹1,000Best
- ₹1,200
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
- 2.5%
- Reward type
- points
- miles
- points
- Min rate
- 5%Best
- 2%
- 1.33%
- Max rate
- 10%Best
- 5%
- 6.67%
- Points / ₹100
- —
- 2
- 2.67Best
- Point value
- ₹0.2
- ₹1
- ₹0.5
- Monthly cap
- —
- ₹2,00,000
- —
- Domestic lounge / qtr
- Unlimited
- 4
- 3
- Lounge spend criteria
- Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards
- No spend condition
- ₹60,000 spend in preceding calendar quarter
- Intl lounge / year
- —
- 12Best
- 6
- Priority Pass
- DreamFolks
- Forex markup
- 0%Best
- 3.5%
- 2%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Invite only
| Attribute ↓ | |||
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 94Best | 78 | 82 |
| Rating Verdict | Elite | Very Good | Excellent |
| Reward Power (35%) | 35/35 | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 18/20 | 18/20 |
| Forex & Access (20%) | 14/20 | 8/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | Federal Bank | Axis Bank | HDFC Bank |
| Network | RuPay | Visa | Mastercard |
| Card type | Co-branded | Premium | Premium |
| Best for | International travellers — zero forex + travel coins on every spend | Travel rewards — EDGE Miles for flights and hotel stays | Travel rewards |
03—Fees Differences highlighted | |||
| Joining fee | FreeBest | ₹5,000 | ₹2,500 |
| Annual fee | FreeBest | ₹5,000 | ₹2,500 |
| Fee waiver | — | ₹7,50,000 | ₹4,00,000Best |
| Interest-free days | 48 | 50Best | 50Best |
04—Interest Differences highlighted | |||
| APR (min) | 45% | 55.55% | 43.2%Best |
| APR (max) | 45%Best | 55.55% | 45%Best |
| Late payment fee | ₹1,000Best | ₹1,200 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | points | miles | points |
| Min rate | 5%Best | 2% | 1.33% |
| Max rate | 10%Best | 5% | 6.67% |
| Points / ₹100 | — | 2 | 2.67Best |
| Point value | ₹0.2 | ₹1 | ₹0.5 |
| Monthly cap | — | ₹2,00,000 | — |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | Unlimited | 4 | 3 |
| Lounge spend criteria | Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards | No spend condition | ₹60,000 spend in preceding calendar quarter |
| Intl lounge / year | — | 12Best | 6 |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 0%Best | 3.5% | 2% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Invite only | |||
| Rows won | 08of 13 | 02of 13 | 03of 13 |
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CardCheck Comparison Index & Cardholder Ratings
Rated by verified cardholders and updated daily with zero sponsored placement bias. All fee waivers, lounge quotas, and net reward earnings are computed using official RBI MITC disclosures.
Based on 111 verified cardholder ratings
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Frequently Asked Questions: Scapia Federal Bank Credit Card vs Axis Bank Atlas Credit Card
Which is better: Scapia Federal Bank Credit Card or Axis Bank Atlas Credit Card?
Scapia Federal Bank Credit Card holds a higher overall rating with a CardCheck Score of 94/100 (Elite) compared to 78/100 (Very Good) for Axis Bank Atlas Credit Card (a lead of +16 points). Scapia Federal Bank Credit Card gains its scoring lead primarily through fee value & ROI (25 vs 18) and forex & terms (14 vs 8).
How do annual fees and fee waiver spend rules compare?
Scapia Federal Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, Axis Bank Atlas Credit Card charges an annual fee of ₹5,000 with an annual spend threshold of ₹7.5 Lakh.
How do the reward rates and cashback compare between Scapia Federal Bank Credit Card and Axis Bank Atlas Credit Card?
Scapia Federal Bank Credit Card offers a base reward rate of 5% and up to 10% on accelerated partner categories. Meanwhile, Axis Bank Atlas Credit Card offers a base rate of 2% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Scapia Federal Bank Credit Card or Axis Bank Atlas Credit Card?
Scapia Federal Bank Credit Card provides unlimited complimentary domestic airport lounge access (requires ₹20,000 spend in the previous period to unlock). On the other hand, Axis Bank Atlas Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year) and 12 international lounge visits/year.
Which card is better for international foreign currency spends?
Scapia Federal Bank Credit Card levies a foreign currency markup fee of 0%, while Axis Bank Atlas Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).