Welcome benefit
₹1,2001000 Scapia coins worth Rs 200
Rs 1000 off on first flight booking on Scapia app
Axis Bank
Scapia Axis Bank Credit Card
A zero-fee travel card with zero forex markup and Scapia Coins on everyday and travel spends.
MastercardRuPayCoreTravelRewards
Best forFrequent travellers who want zero forex fees and travel-focused rewards without an annual fee.
- Annual fee
- No annual fee
- Rewards
- Base earn differs by network. Mastercard earns 10 Scapia Coins per…
- Forex markup
- 0%Zero forex markup
- Lounge access
- Available
Credofly Verdict
Is this card a good fit?
Scapia combines lifetime-free pricing, zero forex markup and a fixed-value reward currency. Its strongest value comes from bookings through the Scapia ecosystem. Everyday earning differs between Mastercard and RuPay, so the network version matters.
What works well
- Zero joining and annual fee
- Zero forex markup
- Strong rewards on eligible Scapia-app bookings
- Fixed 5 Scapia Coins = ₹1 value
- Spend-linked airport privileges
Consider before applying
- Rewards are primarily useful inside Scapia
- RuPay base earning is lower than Mastercard
- Airport privileges require spend conditions
- Base earning differs by network
Rewards
How rewards work
- Reward type
- Reward Points
- Reward currency
- Scapia Coins
- Point value
- ₹0.20 per point
- Expiry
- 3 years from date earned
Base rewards
Base earn differs by network. Mastercard earns 10 Scapia Coins per ₹100 on eligible online and offline spends. RuPay earns 5 Scapia Coins per ₹100 on eligible UPI, online and offline transactions of ₹500 or more.
Accelerated rewards
Earn 20 Scapia Coins per ₹100 on eligible travel, experiences and e-commerce bookings made through the Scapia app.
Redeeming rewards
5 Scapia Coins = ₹1. Coins can be redeemed through Scapia toward eligible bookings and purchases within the Scapia ecosystem.
Reward exclusions
FuelRentWallet LoadInsuranceEducationCash AdvanceOther
Exclusions also include specified card-payment/fee transactions, forex transactions and certain other categories under the current Scapia rewards terms.
Benefits
Travel and lifestyle privileges
Domestic lounge access
Unlocks on Rs 20000 previous month spends
Milestone benefits
Spend ₹20,000 in a month to unlock eligible airport privileges, including airport dining/shopping benefits under the current programme.
Other benefits
Airport ServicesFuel Surcharge Waiver
- Airport privileges worth up to ₹1,000 after meeting the applicable monthly spend condition.
- 1% fuel surcharge waiver on eligible fuel transactions.
- Zero forex markup on international transactions.
Fees & Charges
What the card costs
- Joining fee
- ₹0
- Annual fee
- ₹0
- Forex markup
- 0%
Annual-fee waiver
No annual fee; no spend-based annual fee waiver is required.
Other charges
- Finance charges: 3.75% per month
Eligibility & Application
Before you apply
- Application channel
- Online
- Age
- 18–70 years
Available to eligible resident Indians aged 18–70, subject to Axis Bank credit assessment and required KYC/income documentation.
Check eligibility ↗Credofly Review
The detailed view
Scapia is particularly attractive for travel-first users because it removes both annual fees and forex markup while retaining a straightforward fixed-value reward currency. At 5 Coins = ₹1, 20 Coins per ₹100 on eligible Scapia-app bookings represents 4% value.
Everyday earning depends on network. Mastercard offers the stronger base earn, while the RuPay version adds UPI compatibility but earns at a lower base rate. The card works best for travellers comfortable using Scapia as an important part of their booking and redemption ecosystem.
Frequently Asked Questions
Answers before applying
What is the annual fee for Scapia Axis Bank Credit Card?
This card has no annual fee.
What forex markup does this card charge?
This card has a 0% forex markup.
How does this card earn rewards?
Base earn differs by network. Mastercard earns 10 Scapia Coins per ₹100 on eligible online and offline spends. RuPay earns 5 Scapia Coins per ₹100 on eligible UPI, online and offline transactions of ₹500 or more. Earn 20 Scapia Coins per ₹100 on eligible travel, experiences and e-commerce bookings made through the Scapia app.
What is one reward point worth?
One reward point is worth ₹0.20.
Does this card include airport lounge access?
Domestic lounge access is included.
Does this card support UPI?
Yes. This card supports UPI.
Who can apply for this card?
Available to eligible resident Indians aged 18–70, subject to Axis Bank credit assessment and required KYC/income documentation.
Is this card currently open for applications?
Applications are currently open.
