Which card has a lower forex fee: Axis Bank Burgundy Private Credit Card or Federal Bank Scapia Credit Card?

Both cards have the same forex markup (0%).

Which card has a lower annual fee: Axis Bank Burgundy Private Credit Card or Federal Bank Scapia Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

Axis Bank Burgundy Private Credit Card: Unlimited domestic lounge. Federal Bank Scapia Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

Axis Bank Burgundy Private Credit Card has higher base reward value (~1.5% vs ~0.4%).

Axis Bank Burgundy Private vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Burgundy Private and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Feature	Burgundy Private	Scapia
Annual fee	₹0 Lifetime free	₹0 Lifetime free
Forex fee	0%	0%
Domestic lounge	Unlimited	Unlimited

Fees: Tie

Confidence: Medium (verify with issuer)

Forex: Tie

Confidence: High

Lounge: Tie

Confidence: Medium (verify with issuer)

Burgundy Private 7.5 pts / ₹100 on General spend Strong data

Scapia 2 pts / ₹100 on General spend Strong data

Pick based on what matters

Start with the constraint you care about most: annual fee (Axis Bank Burgundy Private: ₹0 vs Federal Bank Scapia: ₹0), forex markup (0% vs 0%), or lounge access (Unlimited vs Unlimited).

Both cards are similar for travel Strong data vs Strong data Forex markup is 0%.
Both cards are similar for forex Strong data vs Strong data Forex markup is 0%.
Both cards are similar for lounge access Domestic lounge access is unlimited.
Insufficient data to compare rewards Strong data vs Strong data Only Axis Bank Burgundy Private has comparable evidence here. Estimated base reward value is ~1.5% on base spend.
Both cards are similar for fees Strong data vs Strong data Annual fee is ₹0.
Both cards are similar for UPI usage Mastercard network does not support UPI payments. Visa network does not support UPI payments.

Explore: Axis Bank Burgundy Private card page · Federal Bank Scapia card page · best credit cards in India

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Burgundy Private: ~₹750/month at base rate
Scapia: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

	Burgundy Private Axis Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
International lounge visits Only available for Burgundy Private	12/year	Not specified
Forex / International Use
Forex markup	0%	0%
Fees
Annual fee	₹0	₹0
Joining fee ₹50,000 vs ₹0	₹50,000	₹0
Rewards
Points per ₹100 7.5 pts vs 2 pts	7.5 pts	2 pts
Point cash value	₹0.2	₹0.2

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank Burgundy Private vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes