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Scapia Axis Bank Credit Card Review 2026

New Launch September 3, 2026

The Scapia Axis Bank Credit Card is a lifetime free travel card launched on September 3, 2026 by Axis Bank in partnership with travel fintech Scapia. It offers zero forex markup on all international transactions, 20% Scapia Coins on eligible travel bookings through the Scapia app, and 10% Scapia Coins on all eligible online and offline spends on the Mastercard variant with no earning cap. This review covers all confirmed benefits from Axis Bank’s official product page at axis.bank.in.

Scapia Axis Bank Credit Card Key Details at a Glance

Feature	Detail
Launched	September 3, 2026
Issuer	Axis Bank in partnership with Scapia
Networks	Mastercard and RuPay
Joining Fee	Nil Lifetime Free
Annual Fee	Nil Lifetime Free
Forex Markup	Zero on all international transactions
Travel Earn Rate	20% Scapia Coins on eligible bookings via Scapia app (flights, hotels, experiences, e-commerce)
Mastercard Earn Rate	10% Scapia Coins on all eligible online and offline spends of Rs. 20 or more. No earning cap.
RuPay Earn Rate	5% Scapia Coins on eligible spends of Rs. 500 or more
Airport Privileges	Complimentary dining or shopping up to Rs. 1,000 at domestic airports, unlocks on Rs. 20,000 monthly spend. Rewards up to Rs. 2,000 on eligible airport shopping transactions.
Fuel Surcharge Waiver	1% waiver on fuel purchases at all fuel stations across India
Managed Through	Scapia app (payments, travel bookings, and rewards)

Source: axis.bank.in/cards/credit-card/scapia-axis-bank-credit-card and BusinessToday report dated September 5, 2026. All confirmed figures only.

Scapia Axis Bank Credit Card 4 Things That Stand Out

Forex Markup

Zero forex markup on all international transactions. The Scapia Axis Bank card joins a very short list of cards in India that offer this on a zero-fee product.

20%

On Scapia App Bookings

Earn 20% Scapia Coins on eligible flights, hotels, experiences, and e-commerce bookings made through the Scapia app. No cap on earning.

10%

On All Mastercard Spends

10% Scapia Coins on all eligible online and offline spends on the Mastercard variant with no earning cap. Minimum transaction of Rs. 20 required.

Rs. 0

Annual Fee Forever

No joining fee. No annual fee. No spend-based condition to keep it free. The Scapia Axis Bank card is genuinely lifetime free by design.

Scapia Axis Bank Credit Card Mastercard vs RuPay Variant

The Scapia Axis Bank card is available on two networks with different earn rates. Both are lifetime free with 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 spends of Rs. 20 or more	5% on spends of Rs. 500 or more
UPI Support	Not applicable	Yes UPI-linked
Best For	Higher earn on all card spends, international use	UPI payments, RuPay acceptance

Airport Privileges What You Actually Get

The Scapia Axis Bank credit card includes airport privileges that are conditional on monthly spending. Here is exactly how they work, per the official Axis Bank product page.

Complimentary dining or shopping up to Rs. 1,000 at domestic airports. This benefit unlocks when you spend Rs. 20,000 in the previous month. The Rs. 1,000 is received as Scapia Coins earned on eligible airport dining, shopping, or spa transactions.
Up to Rs. 2,000 Scapia Coins on eligible airport shopping transactions per billing cycle. The Rs. 20,000 spending requirement to unlock airport privileges can be met cumulatively across the Mastercard or RuPay variant where applicable. Total airport-related rewards are subject to billing-cycle and city-wise limits.
No traditional lounge access. The Scapia Axis Bank card does not offer complimentary airport lounge access in the standard sense. The airport benefit is a spend-back on dining, shopping, or spa at participating airports, not a lounge entry. Confirm participating airport partners 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 the standard 3.5% forex markup on their current card. Zero forex markup on a lifetime free card is unusual in India. At Rs. 0 annual fee, the Scapia Axis Bank card costs nothing to hold as a secondary international spending card. On Rs. 1 lakh of international spending per year, a 3.5% markup saves Rs. 3,500 annually.
Digitally active travellers who book flights and hotels frequently. The 20% Scapia Coins on Scapia app bookings is the highest travel earn rate on any lifetime free card currently available in India. The value depends on how the Scapia app prices travel versus other platforms compare before booking to ensure the Scapia price is competitive.
Not ideal for: Anyone who needs guaranteed airport lounge access the Scapia card does not provide this. Also not ideal for cardholders who prefer a straightforward cashback or points structure over an app-managed coin ecosystem where the redemption value depends on Scapia’s own pricing.

Scapia Axis Bank Card vs Other Zero-Forex Lifetime Free Cards in India

As of September 2026, zero forex markup on a lifetime free card remains rare in India. The Scapia Axis Bank card joins a short list:

Niyo Global (SBM Bank): Zero forex, lifetime free. A prepaid forex card, not a credit card. No rewards on international spend.
HSBC Visa Platinum: Lifetime free, but carries a 3.5% foreign transaction fee. Not zero forex.
Axis Bank Magnus (via fee structure): Zero forex, but Rs. 10,000 annual fee with a spend-based waiver. Not lifetime free.
Scapia Axis Bank: Lifetime free, zero forex, 10% rewards on all Mastercard spends. The combination of all three at zero cost is the differentiator for this card.

Apply via the Scapia App

Frequently Asked Questions Scapia Axis Bank Credit Card

Is the Scapia Axis Bank credit card really lifetime free?
Yes. The Scapia Axis Bank Credit Card has zero joining fee and zero annual fee, confirmed on the official Axis Bank product page. There is no spend-based condition to keep it free. The card is available on both Mastercard and RuPay networks, both lifetime free.
What is the forex markup on the Scapia Axis Bank credit card?
Zero. The Scapia Axis Bank Credit Card charges no forex markup on international transactions, per Axis Bank’s official product page. This applies to both the Mastercard and RuPay variants. The card also offers Smart Forex functionality for better visibility on overseas spending.
How does the Scapia Axis Bank credit card earn rewards?
The Mastercard variant earns 10% Scapia Coins on all eligible online and offline spends of Rs. 20 or more, with no earning cap. Both variants earn 20% Scapia Coins on eligible bookings made through the Scapia app including flights, hotels, experiences, and e-commerce. The RuPay variant earns 5% Scapia Coins on eligible spends of Rs. 500 or more.
Does the Scapia Axis Bank credit card have airport lounge access?
The card does not provide traditional airport lounge access. Instead, it offers complimentary dining or shopping up to Rs. 1,000 at domestic airports, which unlocks when you spend Rs. 20,000 in the preceding month. Up to Rs. 2,000 in Scapia Coins can be earned on eligible airport shopping transactions per billing cycle. Confirm participating airports and outlets on the Scapia app.
How is the Scapia Axis Bank card different from the previous Scapia card issued by BOBCARD or Federal Bank?
The core Scapia proposition remains the same: zero fee, zero forex, and travel-focused rewards. The key change is the banking partner and card network. The new Scapia Axis Bank card is issued on Mastercard and RuPay, replacing the earlier Visa and RuPay combination used with BOBCARD and Federal Bank. Axis Bank’s larger customer base and wider distribution is expected to make the card more accessible across India.

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Ayush Sharma
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