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AXIS Scapia vs HDFC Tata Neu Infinity RuPay

Side-by-side comparison of the Axis Bank Scapia and the HDFC Bank Tata Neu Infinity RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

Scapia
Tata Neu Infinity RuPay

The short answer

Pick Scapia for lounge access, rewards and spending abroad.

Pick Tata Neu Infinity RuPay for UPI payments.

Scapia costs ₹1,499 less a year.

Head-to-head

  • Annual fee Annual fee outcome: tie.
    Scapia ₹0
    Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend
    ₹1,499/yr apart · waiver gates differ
  • Forex markup Forex markup outcome: Scapia wins.
    Scapia 0%
    Tata Neu Infinity RuPay 2%
    Scapia saves ~₹2,000 per ₹1L abroad
  • Domestic lounge Domestic lounge outcome: Scapia wins.
    Scapia Unlimited Conditional · Domestic: Unlimited · requires ₹20,000 spend in a billing cycle (unlocks after the billing date)
    Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter
  • Rewards Rewards outcome: Scapia wins.
    Scapia ~2%
    Tata Neu Infinity RuPay ~1.5%
    conservative base value
  • UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins.
    Scapia No UPI support
    Tata Neu Infinity RuPay Supports UPI

Reward earning explained

Scapia

10 Scapia Coins / ₹100 on domestic spend

Strong data
Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Example usage at this monthly spend

At ₹50k/month spend:

  • Axis Bank Scapia: ~₹1,000/month at base rate
  • Tata Neu Infinity HDFC Bank: ~₹750/month at base rate

Illustrative only, using current base rates before caps.

All fields

Field Scapia Axis Bank Tata Neu Infinity RuPay HDFC Bank
Lounge Access
Domestic lounge visits
spend-gated on some cards — see caveats
Unlimited vs 8/year (2 per quarter)
 Unlimited 8/year (2 per quarter)
International lounge visits
Only available for Tata Neu Infinity HDFC Bank
 Not specified No international lounge access
Forex / International Use
Forex markup
Source agreement differs — verify both.
0% vs 2%
 0% 2%
Fees
Recurring annual fee
₹0 vs ₹1,499
 ₹0 ₹1,499
First-year cost
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹1,499
Annual-fee waiver
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹3,00,000 or more
Monthly interest rate 3.75% / month 3.75% / month
Late-payment charge
₹500–₹1,300 depending on outstanding balance vs ₹100–₹1,300 depending on outstanding balance
 ₹500–₹1,300 depending on outstanding balance ₹100–₹1,300 depending on outstanding balance
Fuel benefit
1% surcharge waiver · up to ₹5,000 transactions · ₹500/statement waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
 1% surcharge waiver · up to ₹5,000 transactions · ₹500/statement waiver cap · Fuel rewards excluded 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
Rewards
Points per ₹100
Some reward lanes are only partially modelled — base rate only for comparison.
10 Scapia Coins / ₹100 on domestic spend vs 1.5 NeuCoins / ₹100
 10 Scapia Coins / ₹100 on domestic spend 1.5 NeuCoins / ₹100
Conservative base value
~2% vs ~1.5%
 ~2% ~1.5%
Earn ceiling
Not stated vs 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
 Not stated 2,000 NeuCoins per month at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Payment network rates
Only available for Axis Bank Scapia
 RuPay: 5 Scapia Coins / ₹100 · Credited as reward points · Min ₹500 per transaction Not specified
Point value (headline channel)
Issuer headline redemption rate — see each card page for the full channel grid.
₹0.2 vs ₹1
 ₹0.2 ₹1
Point validity
Only available for Tata Neu Infinity HDFC Bank
 Not specified 1 year
Insurance — Air accident cover
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹1 crore
Insurance — Emergency medical cover
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹15 lakh
Insurance — Lost card liability cover
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹9 lakh
Insurance — Underwriter
Only available for Tata Neu Infinity HDFC Bank
 Not specified Insured by HDFC ERGO General Insurance Company Limited

Notes

  • Scapia Axis Bank Credit Card: Condition: ₹20,000 spend in a billing cycle (unlocks after the billing date)
  • Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Related comparisons

Next useful checks

Axis Bank Scapia

Verify with issuer , opens external site

HDFC Bank Tata Neu Infinity RuPay

Verify with issuer , opens external site
Data refreshed through 2 Oct 2026 moneymatters.cards Privacy Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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