Annual fee₹0for life
Forex markup0%
Interest3.75%a month
NetworkMastercard / RuPay
You earn
Perks & rules
What changed
No changes yet. We re-check every week.
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asScapia Coins
Base rateMastercard: 2% value back (shown as '10% rewards') on spends of ₹20 and above
Higher rates
- Scapia app travel: 4% value back ('20% rewards') on flights, hotels and buses booked in the Scapia app, no cap
- RuPay / UPI: RuPay card: 1% value back ('5% rewards') on spends of ₹500 and above, including UPI
Limits
- No cap on earning or redeeming
- Mastercard: nothing under ₹20; RuPay: nothing under ₹500
Doesn't earn on
- Wallet loads, education, fuel, government, EMI, business services, rent, crypto, MOTO, insurance, utilities, gift cards, tolls
Where it landsConverted to Scapia Coins on your statement date
What a point is worth
Value5 Scapia Coins = ₹1, usable only for bookings in the Scapia app
ExpiryNot stated in the documents read
Redemption feeNot stated in the documents read
Welcome benefit
WelcomeNone stated
Milestones
MilestonesNone stated
Airport lounges
DomesticUnlimited for the primary cardholder if you spend ₹20,000 in a billing cycle (QR code in Scapia app)
InternationalNone
Fuel
Fuel1% surcharge waiver on transactions up to ₹5,000
Spending abroad
Forex markupZero markup (network charges and taxes may apply)
Fees
Joining feeNil
Annual feeNil (lifetime free)
Fee waiverNot needed: lifetime free
If you pay late
Late feeNil under ₹500; ₹500 (₹501–5,000); ₹750 (to ₹10,000); ₹1,200 (to ₹50,000); ₹1,300 above ₹50,000
Interest3.75% a month (55.55% a year)
Cash withdrawal2.5%, minimum ₹500
Who can apply
Age18–70
SalariedResident of India; income not stated
Self-employedResident of India; income not stated
More perks
Perks
- Airport meals, shopping or spa: up to 100% back as rewards, capped at ₹500 or ₹1,000 per transaction
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Scapia Axis Bank product page Product page · 2 Oct 2026
- Scapia Axis Bank Credit Card T&C Card T&C · 17 Jul 2026
- Axis Bank credit card T&C revision (28 Aug 2026) Change notice · 28 Aug 2026
Card image: Axis Bank's own website.
