Eligible spend
10 Scapia Coins per ₹100 on eligible spend
Should you get this?
Strong fit
Why this card
- Unlimited lounge access is a clear travel strength.
- Forex markup is listed as 0%.
- You use airport lounges often.
Trade-off
Domestic: Unlimited · requires ₹20,000 spend in a billing cycle (unlocks after the billing date). Verify current lounge eligibility before travel.
Annual fee ₹0 no annual fee currently listed
Rewards 10 Scapia Coins / ₹100 on domestic spend
Lounge access ∞ unlimited domestic · ₹20,000 spend in a billing cycle
Forex markup 0% zero forex
Compare with BOBCARD Scapia →
Similar lounge profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
Domestic spend — Min ₹2010 Scapia Coins / ₹100Credited as reward points · Min ₹20 per transactionDoes not earn on Not stated
- crypto
- education
- emi
- fuel
- gift card
- government
- insurance
- rent
- toll
- utility
- wallet load
Travel booked in Scapia app20 Scapia Coins / ₹100Credited as reward points · app onlyNot stated
Eligible RuPay purchases5 Scapia Coins / ₹100Credited as reward points · Min ₹500 per transactionDoes not earn on Not stated
- crypto
- education
- emi
- fuel
- gift card
- government
- insurance
- rent
- toll
- utility
- wallet load
Redemption value
What a Scapia Coin is worth
- Travel₹0.2 / pt
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹0.2 per point
Travel
Best verified lane
Travel booked in Scapia app
20 Scapia Coins / ₹100
View bonus categories →No reward on
- Rent
- Education
- Government payments
- Fuel
- +13 more
Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Domestic lounge spend gate₹20,000monthLounge eligibility
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (10 Scapia Coins / ₹100 on domestic spend). Up to ~5,000 Scapia Coins/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹1,000 at the conservative redemption floor
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited — via Axis Bank lounge programme Condition: ₹20,000 spend in a billing cycle (unlocks after the billing date)
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim is not proof of exclusion. Confirm with the issuer or network programme.
Rewards
- Base earn
- 10 Scapia Coins per ₹100 value depends on redemption
- Effective return (honest floor)
- ~2% base (conservative redemption) · verified 27 Oct 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹0.20 per Scapia Coin (Travel) · verified 27 Oct 2026 Operator-verified headline rate — full channel grid in Redemption value.
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹0
- Joining fee
- ₹0
- Interest-free period
- Up to 50 days
- Late-payment charge
- ₹500–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.
International Use
- Forex markup
- 0%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions up to ₹5,000.
- Maximum waiver ₹500 per statement cycle.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions: 17
These spends do not earn reward points.
Payments
- Rent
- Education
- Government payments
Financial
- Fuel
- Wallet loads
- EMI
- Insurance premiums
Utilities
- Utilities
Other
- Taxes
- Forex markup
- DCC
- Late fee
- Debit Interest
- Cheque bounce fee
- Crypto
- Ineligible rewards MCC category: Gift Card
- Ineligible rewards MCC category: Bridge Fees, Road Fees & Tolls
Latest update
- Annual fee: ₹0.
- Forex markup currently listed at 0%.
- Unlimited domestic lounge · ₹20,000 spend in a billing cycle.
Common questions
From verified card factsIs this good for lounge access?
Unlimited domestic lounge access. Domestic access requires ₹20,000 spend in a billing cycle (unlocks after the billing date). Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
No joining, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
What is the annual fee for Scapia Axis Bank Credit Card?
No joining or annual fee currently listed.
Learn more
Guides matched to this card — not a random syllabus.
- EDGE Rewards
Miles vs points under one programme - Forex markup
Why 3.5% can erase travel rewards - How reward rate works
Pts / ₹100 without the marketing fog