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 access. Federal Bank Scapia Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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

Three core metrics

Burgundy Private Axis Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge Unlimited

Scapia Federal Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge Unlimited Conditional · Domestic: Unlimited · requires ₹20,000 spend in the previous month

Reward earning explained

Per card

Burgundy Private

7.5 pts / ₹100 on General spend

Limited data

Scapia

20 Scapia Coins / ₹100 on Travel booked in Scapia app (app only) + 10 Scapia Co…

Limited data

Pick based on what matters

4 dimensions

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).

Travel Tie

Both cards are similar for travel

Forex markup is 0%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 0%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Burgundy Private has comparable evidence here. Estimated base reward value is ~1.5% on base spend.

Burgundy Private: Limited data Scapia: Limited data

Confidence: Low (limited information available)

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Scapia: ~₹1,000/month at base rate
Burgundy Private: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Burgundy Private Axis Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup	0%	0%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Points per ₹100 7.5 pts vs 10 pts	7.5 pts	10 pts
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Scapia	Not specified	₹0.2

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.