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

Federal Bank Scapia Credit Card has lower forex markup (0% vs 1.5%).

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

Federal Bank Scapia Credit Card has a lower annual fee (₹0 vs ₹50,000).

Which card offers better lounge access?

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

Which card has a higher base reward rate?

Federal Bank Scapia Credit Card has higher base reward value (~2% vs ~1.5%).

Pairwise comparison Compare 3+ cards →

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

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

Travel Federal Bank Scapia Forex Federal Bank Scapia

Quick comparison

Three core metrics

Reserve Axis Bank

Annual fee ₹50,000 Waivable at ₹35,00,000 spend
Forex markup 1.5%
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

Reserve

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 Reserve: ₹50,000 vs Federal Bank Scapia: ₹0), forex markup (1.5% vs 0%), or lounge access (Unlimited vs Unlimited).

Travel Federal Bank Scapia wins

Federal Bank Scapia is better for travel

Federal Bank Scapia is stronger here. Forex markup is 0%.
Forex markup Federal Bank Scapia wins

Federal Bank Scapia is better for forex

Federal Bank Scapia is stronger here. 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 Reserve has comparable evidence here. Estimated base reward value is ~1.5% on base spend.

Reserve: 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
Reserve: ~₹750/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Reserve Axis Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup Source agreement differs — verify both. 1.5% vs 0%	1.5%	0%
Fees
Annual fee ₹50,000 vs ₹0	₹50,000	₹0
Joining fee ₹50,000 vs ₹0	₹50,000	₹0
Fee waiver spend Only available for Reserve	₹35,00,000	Not specified
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 redemption rate — see each card page for the full channel grid.	₹0.2	₹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.