Zero-Fee Travel Card
The Scapia Axis Bank Credit Card is a zero-fee travel card from Axis Bank and Scapia. Axis Bank lists zero joining and annual fees, zero forex markup, 20% rewards on eligible bookings on the Scapia app, 10% rewards on eligible Mastercard spends of Rs. 20 or more, and unlimited domestic lounge access that unlocks at Rs. 20,000 of monthly spend. This review uses Axis Bank’s product page and card terms and conditions, and notes the exclusions that the headline numbers leave out.
Scapia Axis Bank Credit Card Key Details at a Glance
| Feature | Detail |
|---|---|
| Issuer | Axis Bank in partnership with Scapia |
| Networks | Mastercard and RuPay |
| Joining Fee | Zero |
| Annual Fee | Zero |
| Forex Markup | Zero on eligible foreign currency transactions (card network charges and taxes may still apply) |
| Travel Earn Rate | 20% rewards on flights, stays, trains, buses, visas, experiences and shopping on the Scapia app, with no maximum cap |
| Mastercard Earn Rate | 10% rewards (2% value back) on eligible spends of Rs. 20 or more. Fuel, rent, utilities, insurance, education, wallet loads, government services and some other categories earn nothing. |
| RuPay Earn Rate | 5% rewards (1% value back) on eligible UPI, online and offline spends of Rs. 500 or more |
| Airport Privileges | Domestic airport dining or shopping earns back up to Rs. 1,000 in Scapia Coins, and unlimited domestic lounge access, both unlocking at Rs. 20,000 of monthly spend. Conditions apply. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on fuel transactions up to Rs. 5,000 each, with a maximum waiver of Rs. 500 plus taxes per billing cycle. Fuel spends earn no reward coins. |
| Managed Through | Scapia app (payments, travel bookings, and rewards) |
Source: Axis Bank Scapia Axis Bank Credit Card product page (axis.bank.in) and the Scapia Axis Bank Credit Card member Terms and Conditions, checked 23 October 2026. We could not find an official launch date, so we do not state one.
Scapia Axis Bank Credit Card 4 Things That Stand Out
0%
Forex Markup
Axis Bank lists zero forex markup on eligible foreign currency transactions, on a card with zero joining and annual fees.
20%
On Scapia App Bookings
Earn 20% rewards on eligible flights, stays, trains, buses, visas, experiences and shopping on the Scapia app. Axis’s terms say there is no maximum cap on these rewards.
10%
On Eligible Mastercard Spends
10% rewards on eligible spends of Rs. 20 or more on the Mastercard variant. Fuel, rent, utilities, insurance, education and some other categories are excluded.
Rs. 0
Annual Fee
Axis Bank lists zero joining and annual fees and states no spend condition.
Scapia Axis Bank Credit Card Mastercard vs RuPay Variant
The Scapia Axis Bank card is available on two networks with different earn rates. Both have zero joining and annual fees and zero forex markup.
| Feature | Mastercard Variant | RuPay Variant |
|---|---|---|
| Annual Fee | Nil | Nil |
| Forex Markup | 0% | 0% |
| Earn on Scapia App | 20% Scapia Coins | 20% Scapia Coins |
| Earn on Other Spends | 10% on eligible spends of Rs. 20 or more | 5% on eligible spends of Rs. 500 or more |
| UPI Support | Not applicable | Earns on eligible UPI spends |
| Best For | Higher earn on eligible card spends, international use | UPI payments, RuPay acceptance |
Airport Privileges What You Actually Get
The Scapia Axis Bank credit card has two airport benefits that depend on how much you spend each month. Here is how they work, per Axis Bank’s product page and the card’s terms and conditions.
- Unlimited domestic lounge access. Axis Bank lists unlimited domestic lounge access across 100+ airports in India, unlocking at a monthly spend of Rs. 20,000. The terms say the Rs. 20,000 per billing cycle can be met on the Mastercard or RuPay variant, or cumulatively across both. Lounge entry is for the primary cardholder only, through a QR code generated in the Scapia app.
- Airport dining and shopping value back, up to Rs. 1,000. Also unlocking at Rs. 20,000 of monthly spend. It is not a discount at the counter. You pay with the card on your travel date and the value comes back as Scapia Coins, within 24 hours according to the terms. The terms cap it at Rs. 500 or Rs. 1,000 per transaction depending on the airport, and total airport rewards at Rs. 2,500 or Rs. 5,000 per billing cycle. E-commerce transactions do not qualify.
- Check before you fly. Benefits depend on the monthly spend condition and the terms in force on the day, so confirm participating airports and the current conditions on the Scapia app before travelling.
Who Should Apply for the Scapia Axis Bank Credit Card
The Scapia Axis Bank card makes most sense for three kinds of users:
- Frequent international travellers who pay a forex markup on their current card. Axis Bank lists zero forex markup on eligible foreign currency transactions, and the card has zero joining and annual fees. For example, if your current card charges 3.5% on Rs. 1 lakh of international spending a year, that is Rs. 3,500 in markup.
- Digitally active travellers who book flights and hotels often. The card earns 20% rewards on eligible bookings on the Scapia app. Scapia Coins are redeemed on the Scapia app, where 5 Scapia Coins equal Rs. 1 according to the terms, and Scapia can revise the value with one month’s notice. Compare the app’s prices with other platforms before booking.
- Not ideal for: Anyone who will not reach Rs. 20,000 of monthly spend, since lounge access and the airport benefit need it. Also not ideal for people who want straightforward cashback instead of an app-based coin system, or who spend mainly on fuel, rent, utilities or insurance, which earn no rewards.
Fees and Charges to Know
- Joining and annual fee: Zero.
- Finance charge: 3.75% per month (55.55% a year) on unpaid balances.
- Late payment fee: Nil if the total due is under Rs. 500, then Rs. 500 to Rs. 1,300 depending on the amount due.
- Cash withdrawal: 2.5% of the amount, minimum Rs. 500.
- 1% fees apply on: rent payments, wallet loads of Rs. 10,000 or more in a statement period, utility spends of Rs. 25,000 or more in a statement period, education payments through third-party apps, and fuel spends of Rs. 50,000 or more in a statement period.
- Eligibility: Indian residents aged 18 to 70.
Source: Axis Bank Scapia Axis Bank Credit Card page, Fees and Charges, and card terms and conditions (axis.bank.in), 23 October 2026. Fees can change, so check Axis Bank before applying.
How the Forex Markup Compares
Most credit cards in India charge a forex markup. For example, the HSBC Visa Platinum card carries a 3.5% markup on foreign currency transactions, according to HSBC. The Scapia Axis Bank card lists zero, with the conditions described above. Before choosing a card, compare the forex markup, the annual fee and the rewards exclusions for the kind of spending you actually do.
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Frequently Asked Questions Scapia Axis Bank Credit Card
- Is the Scapia Axis Bank credit card free?
Axis Bank lists zero joining and annual fees for the Scapia Axis Bank Credit Card and does not state any spend condition for them. It is offered on Mastercard and RuPay. Other charges, such as finance charges, late payment fees and some 1% fees on rent, utilities and wallet loads, still apply. - What is the forex markup on the Scapia Axis Bank credit card?
Axis Bank lists zero forex markup on eligible foreign currency transactions. Its terms say the benefit is subject to applicable card network charges, statutory levies and taxes. - How does the Scapia Axis Bank credit card earn rewards?
The Mastercard variant earns 10% rewards (2% value back) on eligible spends of Rs. 20 or more. The RuPay variant earns 5% rewards (1% value back) on eligible spends of Rs. 500 or more. Both earn 20% rewards on eligible bookings on the Scapia app, with no maximum cap on these. Fuel, rent, utilities, insurance, education, wallet loads, government services and some other categories earn no rewards. - Does the Scapia Axis Bank credit card have airport lounge access?
Axis Bank lists unlimited domestic lounge access across 100+ airports, unlocking at Rs. 20,000 of monthly spend. Entry is for the primary cardholder through a QR code in the Scapia app. It also offers up to Rs. 1,000 back in Scapia Coins on airport dining and shopping at the same spend level. - What is a Scapia Coin worth?
According to the card’s terms, 5 Scapia Coins equal Rs. 1 when redeemed on the Scapia app. Scapia can revise the value with one month’s notice, so check the app for the current rate. - What is the fuel surcharge waiver on this card?
The terms give a 1% fuel surcharge waiver on fuel transactions up to Rs. 5,000 each, with a maximum waiver of Rs. 500 plus taxes per billing cycle. Fuel spends earn no reward coins.
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