Scapia Axis Bank Credit Card
Axis Bank · Open to apply
A no-fee travel co-brand card issued by Axis and run through the Scapia app. The Mastercard earns 10 Scapia Coins per ₹100 (2% in value) and the RuPay 5 per ₹100 (1%), with 20 per ₹100 on bookings in the Scapia app, no forex markup and unlimited domestic lounge access on ₹20,000 of spend in a billing cycle. Coins (5 = ₹1) can be spent only in the Scapia app.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- RuPay variant, 5 rewards per ₹100 on eligible spends of ₹500 or more: 5 Scapia Coins per ₹100 (about 1% at cash value)
- Lounges
- Domestic: unlimited visits per statement after ₹20,000 spend
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Travel booked in the Scapia app, 20 rewards per ₹100: 20 Scapia Coins per ₹100 (about 4% at cash value)
- Mastercard variant, 10 rewards per ₹100 on eligible spends of ₹20 or more: 10 Scapia Coins per ₹100 (about 2% at cash value)
Earns nothing on
- No rewards on wallet, education, fuel, government, EMIs, business services, rent, financial institutions, insurance, utilities and telecom, gift cards and tolls
Terms the calculator does not value
- The Mastercard and RuPay variants earn on different thresholds (₹20 and ₹500 a purchase). The calculator assumes every transaction clears its threshold, so a profile of many small purchases is overvalued on the RuPay variant.
- Airport privileges (dining, shopping or spa returned as rewards, capped per transaction and per billing cycle by airport and city) are not valued. Axis's page says up to ₹1,000, the T&C give ₹500 or ₹1,000 a transaction and ₹2,500 or ₹5,000 a cycle, and press coverage says up to ₹2,000.
- Unlimited domestic lounge access needs ₹20,000 of net spend each billing cycle and goes through the Scapia app (QR code and boarding pass), which the calculator's lounge model does not capture.
- Scapia sets the coin's value (5 coins = ₹1 "as on date") and can change it with one month's notice; coins can be spent only in the Scapia app. Coin expiry is not in the Axis T&C.
Sources
- Scapia Axis Bank Credit Card product page (Product page, the bank's own, read 6 Nov 2026)
- Scapia Axis Bank Credit Card member Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Key Fact Sheet (last updated 2026-10-08) (Schedule of charges, the bank's own, read 6 Nov 2026)
- Axis Bank credit cards Most Important Terms and Conditions (PDF created 2026-10-08) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Axis Bank credit card listing (Product page, the bank's own, read 6 Nov 2026)
- Business Today, 2026-09-05: Axis Bank Scapia credit card goes live (News, read 20 Oct 2026)