Scapia Axis Bank Credit Card
A lifetime-free travel card with no forex markup: 2% value back in Scapia Coins on eligible Mastercard spends of ₹20 or more, 1% on RuPay (including UPI) spends of ₹500 or more, and 4% on Scapia app travel bookings; coins can be used only on the Scapia app. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Terms |
|---|---|
| Annual fee | Nil Terms |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| No joining or annual fee. Card network charges, statutory levies and taxes may still apply to foreign currency spends. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| UPI payments with the RuPay card, on spends of ₹500 or more | 1% cashback Terms | no cap on record |
| Eligible spends on the Mastercard card of ₹20 or more | 2% cashback Terms | no cap on record |
Paid as Scapia Coins (5 coins = ₹1), redeemable only on the Scapia app for flights, stays, buses, trains and other Scapia services.
Axis describes the earn as 10% (Mastercard), 5% (RuPay) and 20% (Scapia app) 'rewards' in Scapia Coins; at 5 coins = ₹1 these are 2%, 1% and 4% value back, the figures in the card's terms. Gift cards, business services, crypto and tolls also earn nothing.
No rewards on
Benefits
- Lounges: Unlimited complimentary visits to select domestic airport lounges — ₹20,000 of net spend in the billing cycle Product page
- Fuel: 1% fuel surcharge waived on fills up to ₹5,000, up to ₹500 a statement cycle MITC
Also on this card
Quoted from Axis Bank; not counted in the net value.
- 4% value back (20% in Scapia Coins) on flights, hotels and buses booked on the Scapia app, uncapped Terms
- Zero forex markup on foreign currency spends Product page
- Airport privileges: dine or shop free at domestic airports, worth up to ₹1,000, on ₹20,000 of monthly spend Product page
- A RuPay card for UPI comes with the Mastercard, earning 1% value back (5% in coins) on spends of ₹500 or more Product page
Eligibility
- Primary cardholder aged 18 or above Product page
- Primary cardholder aged 70 or below Product page
- Resident of India Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- a minimum income
- a welcome benefit
Where Axis Bank’s documents differ, and what is used
- The product page's opening line says the card turns daily spends into 'IndiGo BluChips'; every other part of the page and the card's terms describe Scapia Coins. The terms are used.
The quotes behind the figures
20 figures, each copied from an official Axis Bank document.
Show every quote and source
“3.1 There is no joining fee and annual fee for Scapia Axis Bank Credit Card.”
“Foreign currency transactions NIL”
“On the Scapia RuPay Credit Card, customers shall earn 1% value back (equivalent to 5% rewards) on all eligible spends of INR 500 and above.”
“One application, two cards. Along with your Mastercard, you now also get a RuPay edition, earning 5% rewards on all eligible UPI, online, and offline spends of ₹500 or above.”
“On the Scapia MasterCard Credit Card, customers shall earn 2% value back (equivalent to 10% rewards) on all eligible spends of INR 20 and above.”
“5 Scapia Coins = INR 1, applicable for”
“Scapia Coins accumulated by the cardholder may be redeemed only through the Scapia App for booking services available on the Scapia”
“Loading e-wallets Fuel transac ons Rent Payments Educa on and school fees Government services Business services Crypto and Financial ins tu ons U lity Payments Insurance Payments Gi Card Bridge Fees, Road Fees & Tolls”
“Nil for BURGUNDY PRIVATE Credit Card, PRIMUS Credit Card and SCAPIA AXIS BANK Credit Card;”
“Charges/Product Joining/Annual Fee Zero”
“Cardholders will be eligible for complimentary airport lounge, meals, shopping, and spa access upon meeting the minimum net spend criteria of INR 20,000 per billing cycle.”
“Finance charges 3.75% per month (55.55% per annum)”
“Enjoy unlimited domestic lounge access across 100+ airports in India. Unlocks on a monthly spend of ₹20,000.”
“1% of transaction amount (Refunded for fuel transactions up to INR 5,000. Maximum benefits up to INR 500 per Statement Cycle for SCAPIA AXIS BANK Credit Card)”
“Customers shall earn 4% value back (equivalent to 20% rewards) on eligible spends made on the Scapia App for flight, hotel, and bus bookings, with no maximum capping on such rewards.”
“Enjoy zero forex markup across 180+ countries with your Scapia Axis Bank Credit Card.”
“Dine or shop for free, worth up to ₹1,000, at domestic airports. Unlocks on a monthly spend of ₹20,000”
“Primary cardholder should be 18-70 years of age”
“Applicant should be a resident of India”
“Scapia Axis Bank Credit Card Compare Zero forex markup across 180+ countries Unlimited domestic lounge access* Zero annual and joining fees 20% rewards on booking travel on the Scapia app and 10% rewards on daily spends Joining Fee: ₹NIL Annual Fee: ₹NIL Know More Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology