AU KOSMO Credit Card vs Scapia Axis Bank Credit Card
AU Small Finance Bank · Axis Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreGood
Annual FeeFree
Max Reward1.5%
Axis BankScoreElite
Annual FeeFree
Max Reward4%
Scapia Axis Bank Credit Card leads overall with a CardCheck Score of 90/100 (+25 pts over AU KOSMO Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs ScapiaReward Power
35%AU20/35
Scapia31/35
Scapia Wins
Fee Value & ROI
25%AU25/25
Scapia25/25
Tie (25/25)
Lounge & Travel
20%AU8/20
Scapia20/20
Scapia Wins
Forex & Access
20%AU12/20
Scapia14/20
Scapia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 65
- 90Best
- Rating Verdict
- Good
- Elite
- Reward Power (35%)
- 20/35
- 31/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 8/20
- 20/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Axis Bank
- Network
- RuPay
- Mastercard, RuPay
- Card type
- Co-branded
- Co-branded
- Best for
- UPI payments and rewards
- Travel rewards and zero forex markup
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Fee waiver
- Free
- —
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 45%Best
- 55.5%
- APR (max)
- 45%Best
- 55.5%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1.5%
- 2%Best
- Max rate
- 1.5%
- 4%Best
- Points / ₹100
- —
- 10
- Point value
- ₹0.25
- ₹0.2
06—Travel & Lounge
- Domestic lounge / qtr
- —
- Unlimited
- Lounge spend criteria
- 1 complimentary airport lounge access upon achieving annual milestones of ₹50,000, ₹1,00,000, or ₹1,50,000 in spends
- Domestic Lounge: Unlimited, subject to ₹20,000 preceding-month spend
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.47%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Invite only
Rows won
02of 06
04of 06
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 65 | 90Best |
| Rating Verdict | Good | Elite |
| Reward Power (35%) | 20/35 | 31/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 8/20 | 20/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Axis Bank |
| Network | RuPay | Mastercard, RuPay |
| Card type | Co-branded | Co-branded |
| Best for | UPI payments and rewards | Travel rewards and zero forex markup |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Free | — |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 45%Best | 55.5% |
| APR (max) | 45%Best | 55.5% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.5% | 2%Best |
| Max rate | 1.5% | 4%Best |
| Points / ₹100 | — | 10 |
| Point value | ₹0.25 | ₹0.2 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | Unlimited |
| Lounge spend criteria | 1 complimentary airport lounge access upon achieving annual milestones of ₹50,000, ₹1,00,000, or ₹1,50,000 in spends | Domestic Lounge: Unlimited, subject to ₹20,000 preceding-month spend |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.47% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Invite only | ||
| Rows won | 02of 06 | 04of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU KOSMO Credit Card | Scapia Axis Bank Credit Card |
|---|---|---|
| CardCheck Score | 65/100Good | 90/100Elite |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 1.5% | 4% |
| Domestic Lounge Access | 1 / year | Unlimited |
| International Lounge | None | None |
| Forex Markup Fee | 3.47% | 0% |
Choose AU KOSMO Credit Card if:
Your spending centers around upi payments and rewards and you want direct partner rewards with AU Small Finance Bank.
Choose Scapia Axis Bank Credit Card if:
Your spending aligns with travel rewards and zero forex markup and you prioritize Axis Bank's redemption benefits.
Frequently asked questions: AU KOSMO Credit Card vs Scapia Axis Bank Credit Card
- Which is better: AU KOSMO Credit Card or Scapia Axis Bank Credit Card?
- Scapia Axis Bank Credit Card holds a higher overall rating with a CardCheck Score of 90/100 (Elite) compared to 65/100 (Good) for AU KOSMO Credit Card (a lead of +25 points). Scapia Axis Bank Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- AU KOSMO 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, Scapia Axis Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between AU KOSMO Credit Card and Scapia Axis Bank Credit Card?
- AU KOSMO Credit Card offers a base reward rate of 1.5% and up to 1.5% on accelerated partner categories. Meanwhile, Scapia Axis Bank Credit Card offers a base rate of 2% and up to 4% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: AU KOSMO Credit Card or Scapia Axis Bank Credit Card?
- AU KOSMO Credit Card provides 1 complimentary domestic lounge visit/year (1 complimentary airport lounge access upon achieving annual milestones of ₹50,000, ₹1,00,000, or ₹1,50,000 in spends). On the other hand, Scapia Axis Bank Credit Card provides unlimited complimentary domestic airport lounge access (requires ₹20,000 spend in the previous period to unlock).
- Which card is better for international foreign currency spends?
- AU KOSMO Credit Card levies a foreign currency markup fee of 3.47%, while Scapia Axis Bank Credit Card charges 0%. 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).