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Scapia Axis Bank Credit Card

Scapia is now a name most of us are familiar with, and more importantly, one that we actively associate with travel. That is the impact this innovative credit card has made in a relatively short time. While the card was previously issued in association with Federal Bank and BOBCARD and is still available with them, it has now expanded its reach and is available with Axis Bank as well. This is a positive move, especially since Axis Bank has a much wider reach and is a more familiar name for most consumers than BOBCARD or Federal Bank.

In terms of the overall Scapia offering, however, there are no major differences with the Axis Bank version, apart from the card variants being offered on Mastercard and RuPay instead of the earlier Visa and RuPay combination.

Travel, whether domestic or international, is becoming a bigger part of our lives. For some, it is a social symbol; for others, a hobby; and for many, simply the explorer in them that wants to see more of the world. Travel itself has also become much more accessible. With recommendations, bookings, itineraries, and almost everything else available at our fingertips, planning a trip is easier than ever. But anyone who travels regularly knows that there are certain things that can make the experience more comfortable while also helping you save money.

This is where the Scapia Axis Bank Credit Card comes into play.

The Axis Scapia Credit Card is a lifetime-free credit card, with no joining or annual fee. Designed specifically with travel in mind, some of its key features include zero forex markup on international spends, unlimited domestic airport lounge access across the country, and up to 4% value back on flight, hotel, and bus bookings through the Scapia App, with no cap on the rewards that can be earned through these bookings. But one feature stands out even more: its Airport Privileges.

So, what exactly are these Airport Privileges? Simply put, they are one of the features that set the Scapia Axis Credit Card apart from many other travel cards. For travelers who feel that airport lounges are getting more crowded by the day, this becomes even more relevant. While the card already offers unlimited airport lounge access, the Airport Privileges add another layer of value by allowing cardholders to save up to ₹5,000 on eligible airport spends across cities.

Scapia Axis Bank Credit Card

( 4.7 / 5 )
Scapia Axis Credit Card
  • Joining FeeLifetime Free
  • Annual Fee Lifetime Free
  • Best Suited ForTravel, International Spends
  • Reward TypeReward Points

Rewards Rate

1% Value Back on Eligible Spends of ₹500+ on RuPay, 2% Value Back on Eligible Spends of ₹20+ on Mastercard, and 4% Value Back on Flights, Hotels & Bus Bookings via Scapia App

Welcome Benefits

N/A

Movie & Dining

N/A

Rewards Rate

1% Value Back on Eligible Spends of ₹500+ on RuPay, 2% Value Back on Eligible Spends of ₹20+ on Mastercard, and 4% Value Back on Flights, Hotels & Bus Bookings via Scapia App

Reward Redemption

5 Scapia Coins = ₹1 for Flights, Hotel/Stay, Bus Bookings, and Other Services on the Scapia App

Travel

Airport Privileges (Rewards Capped at ₹2,500 or ₹5,000 per Billing Cycle)

Domestic Lounge Access

Unlimited Airport Lounge Access on Spends of ₹20,000 Each Billing Cycle

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    Nil

    Foreign Currency Markup

    Zero

    Interest Rates

    3.75% Per Month (55.55% Per Annum)

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver

    Cash Advance Charges

    2.5% of Transaction (Minimum ₹500)

    • Lifetime Free with ₹0 Joining & Annual Fee
    • Up to 4% Value Back on Eligible Spends
    • Zero Forex Markup on International Transactions
    • Unlimited Domestic Lounge Access on ₹20,000 Monthly Spends
    • Airport Privileges with up to ₹5,000 Rewards Per Billing Cycle
    • RuPay & Mastercard Variants Available

    Pros

    • The Scapia Axis Bank Credit Card is a great choice for those looking for a travel-focused card in their wallet. With unlimited airport lounge access, zero forex markup, and rewards on travel spends through the Scapia App, the card packs in a strong set of benefits for frequent travelers. Being a lifetime-free card only makes the overall proposition even more attractive.

    Cons

    • The only real con with the Scapia Credit Card is that it does not offer any rewards on forex spends. This is probably the only thing holding the card back, especially considering it is otherwise such a strong travel card. Apart from this, it is a must-have travel offering for anyone who travels frequently.

  • Airport Privileges

    The Airport Privileges benefit lets cardholders earn rewards on eligible spends at participating airport outlets, including meals, shopping, and spa services.

    • Cardholders can earn up to 100% value back on eligible airport spends.
    • The reward is capped at ₹500 or ₹1,000 per transaction, depending on the airport or location.
    • The total reward is capped at ₹2,500 or ₹5,000 per billing cycle, based on the applicable city-wise limit.
    • RuPay cardholders can also use UPI for eligible airport transactions.
    • Online and e-commerce transactions are not eligible for Airport Privileges.

    Eligible transactions must be completed using the Scapia Axis Bank Credit Card at participating airport outlets.

    How to Avail Airport Privileges

    Cardholders can access and claim Airport Privileges directly through the Scapia App. Here’s how:

    • Be at the Airport – You must be physically present at the airport premises.
    • Enable Location Access – Allow location access for the Scapia App to verify your presence at the airport.
    • Upload Your Boarding Pass – Upload a valid boarding pass for verification. This may not be required for tickets booked through the Scapia App, where the requirement is waived.
    • Select Your Privilege – Once verified, choose and activate the available Airport Privilege, such as lounge access or alternate benefits at participating outlets.
    • Redeem Within 2 Hours – Once claimed, the privilege must be redeemed within 2 hours, after which the claim automatically expires. You can make a fresh claim later, subject to eligibility and availability.

    Rewards Earning

    The Scapia Axis Bank Credit Card has a fairly straightforward rewards structure, although the earning rate differs significantly between the Mastercard and RuPay variants.

    Mastercard Variant

    Cardholders get a reward rate of 2% value back on eligible transactions of ₹20 or more. Transactions below ₹20 do not earn any rewards.

    This 2% value back is equivalent to 10% rewards under the card’s reward structure.

    RuPay Variant

    The RuPay variant offers a reward rate of 1% value back on eligible transactions of ₹500 or more. Transactions below ₹500 do not earn rewards.

    This is equivalent to 5% rewards under the card’s reward structure.

    Scapia App Bookings

    The best rewards rate comes when booking through the Scapia App. Cardholders earn 4% value back on eligible flight, hotel, and bus bookings made through the app. Importantly, there is no maximum cap on the rewards earned on these bookings, making this the most rewarding use case for the card.

    Scapia Coin Value

    Rewards earned on eligible transactions are converted into Scapia Coins on the statement date at a 1:1 ratio, meaning: 1 Reward = 1 Scapia Coin

    At present, 5 Scapia Coins are worth ₹1 when redeemed through the Scapia App.

    You can redeem coins for flights, hotel/stay bookings, bus bookings, and other services available on the app.

    In simple terms:

    • 100 Scapia Coins = ₹20
    • 1,000 Scapia Coins = ₹200

    Categories Not Eligible for Rewards

    The following categories are not eligible for earning rewards with the Axis Scapia Credit Card:

    • Loading E-Wallets
    • Fuel Transactions
    • Rent Payments
    • Forex Transactions
    • Education & School Fees
    • Government Services
    • Business Services
    • Crypto & Financial Institutions
    • Utility Payments
    • Insurance Payments
    • Gift Cards
    • Bridge Fees, Road Fees & Tolls

    Unlimited Airport Lounge Access

    One of the standout features of the Scapia Travel Credit Card is its unlimited airport lounge access across the country. There are very few cards, if any, that offer unlimited lounge access while also being completely free of joining and annual fees.

    This is genuinely a game changer for frequent travelers. While cardholders need to meet the ₹20,000 spending requirement in each billing cycle to unlock the lounge benefit, the fact that the access becomes unlimited once the milestone is met makes this card particularly attractive for those who travel frequently.

    Zero Forex Markup on International Spends

    One of the most useful and premium features of the Axis Scapia Credit Card is its zero forex markup on international transactions. This allows cardholders to spend abroad without having to worry about the additional foreign currency markup that banks and card issuers typically charge on international transactions.

    The only thing that could have made this benefit even more attractive would have been rewards on international spends. Unfortunately, international transactions do not earn rewards on the card, which is a slight disappointment, especially for a travel-focused credit card.

    Scapia Axis bank Credit Card Features

    Why Should the Axis Scapia Credit Card Be in Your Wallet?

    Well, the first thing that comes to mind is: why not? You are getting a lifetime-free credit card with no joining or annual charges. Since the card is also available on the RuPay network, you can use it for UPI payments as well. With unlimited airport lounge access, airport privileges, and high rewards on travel bookings, there is quite a lot to like.

    Scapia is a revolutionary credit card built around a simple premise: earn and spend freely on travel and related activities. That straightforward approach, combined with its travel-focused features, sets the card apart from many other cards on the market.

    In fact, those who previously wanted to get the card but were rejected or could not get it when it was offered through BOBCARD and Federal Bank now have another opportunity to apply for it through Axis Bank.

    FAQs:

    Yes, the Scapia Axis Bank Credit Card is a lifetime-free credit card, with no joining fee or annual fee.

    The Mastercard variant offers 2% value back on eligible spends of ₹20 or more, while the RuPay variant offers 1% value back on eligible spends of ₹500 or more. Cardholders can earn 4% value back on eligible flight, hotel, and bus bookings made through the Scapia App.

    5 Scapia Coins = ₹1 when redeemed through the Scapia App. The coins can be used for flights, hotel/stay bookings, bus bookings, and other eligible services available on the app.

    Yes. Cardholders get unlimited domestic airport lounge access, subject to spending ₹20,000 in the respective billing cycle.

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