Scapia Axis Bank Credit Card Launched: Axis Bank and Scapia have introduced a new co-branded credit card for people who travel often. The offer focuses on no annual charges, airport related perks, travel rewards and no forex markup.
You can get the card in both Mastercard and RuPay forms. It is meant to cover daily spends and UPI payments, along with Scapia’s travel rewards platform.
Scapia Axis Bank Credit Card: Benefits
First, there is no joining fee and no annual fee. Second, international purchases come with zero forex markup, which helps when you are traveling abroad.
Key benefits include:
- Zero joining fee
- Zero annual fee
- Zero forex markup on international transactions
- Up to 20% Scapia Coins on eligible bookings through the Scapia app
- Up to 10% rewards on eligible everyday Mastercard spends
- 5% Scapia Coins on eligible RuPay UPI, online and offline transactions of ₹500 or more
- 1% fuel surcharge waiver
- Airport lounge, dining, shopping and spa privileges
Anil Goteti, Founder and CEO, Scapia, said, “We are excited to partner with Axis Bank – this is a new chapter for us. Young Indians are travelling more than ever before, and we built Scapia to give them a financial product that matches that ambition. One app where they can spend, book their trips, shop for travel and earn rewards, all designed around the traveller. Our users have already taken Scapia to over 175 countries, and together with Axis Bank, we can now bring this to more Indians across the country.”
Airport Lounge Access: ₹20,000 Spend Rule
The card offers unlimited domestic airport lounge access, but it is not unconditional.
To get airport access for the next billing period, cardholders must put in ₹20,000 during the prior month. If someone holds both Mastercard and RuPay types, the ₹20,000 target can be reached by adding spend from the eligible variants.
Airport access also covers free meals, shopping, or spa options at selected airports within India. For airport shopping, eligible transactions may bring back up to ₹2,000 in Scapia Coins, as long as the stated rules and limits are followed.
UPI Rewards on RuPay Card
The RuPay version is made for UPI use. If a cardholder makes eligible UPI payments, plus eligible online and offline spends, all at ₹500 or more, they earn 5% back in Scapia Coins. Axis Bank’s current card details say there is no upper limit on the reward amount.
Forex Benefit for International Travellers
Trips outside India are covered too. The Scapia Axis Bank Credit Card lists zero forex markup on international transactions. The bank’s current fee list also shows foreign currency transaction charges as nil.
Still, you should review the final amount on your statement. Also check whether the merchant applies its own currency conversion fee or any other extra charges.
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Scapia Axis Bank Credit Card Fees
- Joining fee: ₹0
- Annual fee: ₹0
- Forex markup: 0%
- Cash withdrawal: 2.5%, minimum ₹500
- Finance charge: 3.75% per month
- Rent transaction fee: 1%
- Over-limit fee: 2.5%, minimum ₹500
The card does not charge a fee for the lifetime. Still, “free” only covers the card cost. Some payments can bring charges, like cash withdrawals and rent payments.
Is The Scapia Axis Bank Credit Card A Good Option?
If you travel a lot, spend abroad often, or use UPI often, this new card looks appealing. It offers no annual fee, no forex markup, travel rewards, and access to domestic airport lounges.
One part to watch is the monthly spending limit of ₹20,000. Lounge entry depends on that. If your usual spending is lower, you might not want to push yourself to reach the number just for lounge access.
But if you can hit ₹20,000 each month without stress, the mix of no annual fee, no forex charges, travel rewards, and lounge access can make the Scapia Axis Bank Credit Card worth checking out.
