M16S / Axis Bank / Scapia Axis Bank Credit Card
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Scapia Axis Bank Credit Card
The Scapia Axis Bank Credit Card charges no annual fee and no joining fee. Its base return is 2%. The forex markup is 0%. Lounge visits in India: Unlimited at 100+ airports in India. Read from the issuer's documents and an aggregator on 12 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 2%
- Forex markup
- 0%
- Interest
- 3.75%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Zero joining and annual fee (issuer page and MITC) |
Rewards
| Welcome benefit | None |
|---|---|
| Reward currency | Scapia Coins |
| Base earn | Mastercard: 10% rewards in Scapia Coins on daily spends; RuPay edition: 5% rewards on eligible UPI, online and offline spends of Rs 500 or above (issuer page). Aggregator: 5 coins = Re 1, i.e. 2% and 1% value back. |
| Base return | 2% |
| Point valueunverified | 5 Scapia Coins = Re 1, redeemable only in the Scapia app for travel |
| Accelerated earn | 20% rewards in Scapia Coins on flights, stays, trains, buses, visas, experiences and shopping on the Scapia app (issuer page); 4% value back at the aggregator-reported coin value |
| Capsunverified | No cap on earning or redeeming (issuer page). Airport Privileges: full value back as Scapia Coins up to Rs 1,000 on dining or shopping at domestic airports on the travel date. Aggregator adds per-cycle caps by city (Rs 2,500 or 5,000). |
| Spends that earn nothingunverified | Wallet loads, fuel, rent, forex/international, education, government, business services, crypto and financial institutions, utilities, insurance, gift cards, tolls |
| Reward notes | base_return_pct = 10% rewards in coins on the Mastercard variant at 5 Scapia Coins = Re 1 (coin value is aggregator-reported, not on the issuer page) = 2%. Aggregator page says international transactions earn nothing. |
Travel and perks
| Domestic lounge | Unlimited at 100+ airports in India |
|---|---|
| International lounge | None |
| Lounge conditions | Unlocks on a monthly spend of Rs 20,000 (issuer page). Airport Privileges (free dining or shopping up to Rs 1,000) unlock on the same spend. |
| Forex markup | 0% |
| Fuel surcharge waiver | 1% surcharge waiver on fuel transactions up to Rs 5,000 (issuer page) |
| Other freebies | Airport Privileges: dine or shop free up to Rs 1,000 at domestic airports on Rs 20,000 monthly spend; two cards (Mastercard + RuPay) on one application |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Age 18-70; resident of India |
| Fine-print notes | Applied for through the Scapia app; Scapia also issues with Federal Bank and BOBCARD. MITC confirms nil fees, nil forex and DCC markup, 3.75% interest. Product page read 2026-10-12 confirms zero fees, zero forex and DCC markup, 3.75% interest, both networks, lounge and reward percentages in coins. The rupee value of a Scapia Coin and the exclusion list are not on the page. |
Questions
- What is the annual fee of the Scapia Axis Bank Credit Card?
- No annual fee.
- Does the Scapia Axis Bank Credit Card give airport lounge access?
- Yes. In India: Unlimited at 100+ airports in India. Outside India: none listed. Conditions: Unlocks on a monthly spend of Rs 20,000 (issuer page). Airport Privileges (free dining or shopping up to Rs 1,000) unlock on the same spend.
- What is the forex markup on the Scapia Axis Bank Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Scapia Axis Bank Credit Card?
- Wallet loads, fuel, rent, forex/international, education, government, business services, crypto and financial institutions, utilities, insurance, gift cards, tolls