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IndusInd Tiger vs Scapia (Axis Bank)

Verified 18 sources

Your monthly spend

IndusInd Tiger beats Scapia (Axis Bank) by ₹1,100 a year at ₹30,000 a month: ₹7,100 against ₹6,000, after fees

IndusInd Tiger beats Scapia (Axis Bank) by ₹16,900 a year at ₹75,000 a month: ₹32,000 against ₹15,100, after fees

IndusInd Tiger beats Scapia (Axis Bank) by ₹48,000 a year at ₹1.5 lakh a month: ₹78,200 against ₹30,200, after fees

IndusInd Tiger beats Scapia (Axis Bank) by ₹1,10,200 a year at ₹3 lakh a month: ₹1,70,700 against ₹60,500, after fees

IndusInd Tiger beats Scapia (Axis Bank) by ₹1,73,300 a year at ₹5 lakh a month: ₹2,74,100 against ₹1,00,800, after fees

IndusInd Tiger credit card

IndusInd Bank

IndusInd Tiger

Our verdict: Keep

Axis Bank

Scapia (Axis Bank)

Our verdict: Keep

Scapia (Axis Bank) vs IndusInd Tiger: which should you pick?

Two lifetime-free travel cards with no annual fee at all. Scapia pays 2% back in Scapia coins and charges zero forex mark-up; Tiger pays 1% in IndusInd points and charges 1.5% abroad.

IndusInd Tiger is ahead of Scapia (Axis Bank) at 19 of the 20 spends we test between ₹25,000 and ₹5 lakh a month and level at the rest; its lead is widest at ₹4.75 lakh a month, at ₹1,78,000 a year. At ₹75,000 a month the gap is mostly what each card earns on your spend: IndusInd Tiger returns ₹32,000 a year in rewards to Scapia (Axis Bank)'s ₹15,100. Pick Scapia (Axis Bank) instead if you spend abroad: its forex markup is 0% against 1.5% on IndusInd Tiger, 1.5 percentage points less on every rupee spent in another currency.

IndusInd Tiger's ongoing earn stops at ₹4,38,900 of spend a month, where Scapia (Axis Bank)'s doesn't; Scapia (Axis Bank) runs a 4.0% booster on Scapia app travel bookings, where IndusInd Tiger earns one flat rate.

IndusInd Tiger review Scapia (Axis Bank) review

Side by side

IndusInd Tiger and Scapia (Axis Bank), fact by fact
FactIndusInd TigerScapia (Axis Bank)
Can you get itOpen to applyOpen to apply
Fee (joining · annual, + GST)₹0 — lifetime free₹0 — lifetime free
Fee waiverNoneNone
Reward rate on everyday spend1.0%2.0%✓ Better
PointsIndusInd Reward PointsScapia Coins
Our value per point₹0.80₹0.20
Transfer partners2✓ BetterNone
Lounges it gets you into720 of 792✓ Better0 of 792
Forex markup1.5% + GSTNil✓ Better
Welcome benefitNone — lifetime free, no joining bonusNone published — Axis names no joining bonus in its T&C or on the product page; the zero fee and the zero forex are the pitch

✓ Better marks the side that wins a row; rows that compare unlike things are not scored. IndusInd Tiger is ahead on 8 of the 10 rows we can call.

More facts 6 rows
Rank, verdict, lounge visits and fine print
FactIndusInd TigerScapia (Axis Bank)
Our rank#10✓ Better#35
Our verdictKeepKeep
Lounge visits in India2/quarter (Visa)Unlimited — or meals, shopping or spa instead, at participating airport outlets
Lounge visits abroad2/year (Priority Pass, outside India only)None published
Forex, in the bank’s words1.5% + GSTNil — foreign currency transactions and DCC surcharge both NIL (product page; MITC and Key Fact Sheet of 17 Sep 2026 agree)
Interest (APR)3.5%/mo (42%/yr) initially — bank may reprice on credit history/behaviour3.75%/mo (55.55%/yr)

Neither issuer publishes an income floor for these two, and the door is the same on both sides: IndusInd Tiger and Scapia (Axis Bank) are both open to a direct application. How people actually get Scapia (Axis Bank) is on its card page.

Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.

What each is worth to you

A year of rewards and bonuses, after the fee
Monthly spendIndusInd TigerScapia (Axis Bank)
At ₹30,000 a month₹7,100✓ Better₹6,000
At ₹75,000 a month₹32,000✓ Better₹15,100
At ₹1.5 lakh a month₹78,200✓ Better₹30,200
At ₹3 lakh a month₹1,70,700✓ Better₹60,500
At ₹5 lakh a month₹2,74,100✓ Better₹1,00,800
Pays for itself fromThe first rupeeThe first rupee

On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.

Every spend from ₹25,000 to ₹5 lakh 20 steps
IndusInd Tiger and Scapia (Axis Bank) at each ₹25,000 step
Monthly spendIndusInd TigerScapia (Axis Bank)Ahead
₹25,000₹5,000₹5,000Level
₹50,000₹16,500✓ Better₹10,100IndusInd Tiger by ₹6,400
₹75,000₹32,000✓ Better₹15,100IndusInd Tiger by ₹16,900
₹1 lakh₹47,400✓ Better₹20,200IndusInd Tiger by ₹27,200
₹1.25 lakh₹62,800✓ Better₹25,200IndusInd Tiger by ₹37,600
₹1.5 lakh₹78,200✓ Better₹30,200IndusInd Tiger by ₹48,000
₹1.75 lakh₹93,600✓ Better₹35,300IndusInd Tiger by ₹58,300
₹2 lakh₹1,09,100✓ Better₹40,300IndusInd Tiger by ₹68,800
₹2.25 lakh₹1,24,500✓ Better₹45,400IndusInd Tiger by ₹79,100
₹2.5 lakh₹1,39,900✓ Better₹50,400IndusInd Tiger by ₹89,500
₹2.75 lakh₹1,55,300✓ Better₹55,400IndusInd Tiger by ₹99,900
₹3 lakh₹1,70,700✓ Better₹60,500IndusInd Tiger by ₹1,10,200
₹3.25 lakh₹1,86,200✓ Better₹65,500IndusInd Tiger by ₹1,20,700
₹3.5 lakh₹2,01,600✓ Better₹70,600IndusInd Tiger by ₹1,31,000
₹3.75 lakh₹2,17,000✓ Better₹75,600IndusInd Tiger by ₹1,41,400
₹4 lakh₹2,32,400✓ Better₹80,600IndusInd Tiger by ₹1,51,800
₹4.25 lakh₹2,47,800✓ Better₹85,700IndusInd Tiger by ₹1,62,100
₹4.5 lakh₹2,63,300✓ Better₹90,700IndusInd Tiger by ₹1,72,600
₹4.75 lakh₹2,73,800✓ Better₹95,800IndusInd Tiger by ₹1,78,000
₹5 lakh₹2,74,100✓ Better₹1,00,800IndusInd Tiger by ₹1,73,300
How we work out the yearly value

We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.

Before you choose

Transfer partners 2 and 0

IndusInd Tiger's IndusInd Reward Points move to 2 airline and hotel partners; Scapia (Axis Bank)'s Scapia Coins cannot be moved to any.

Only IndusInd Tiger: Singapore Airlines KrisFlyer, Air India Maharaja Club.

Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.

Watch out 6 points

IndusInd Tiger

  • 1% on the first ₹1L of the year — the engine only wakes past ₹5L
  • Points expire 24 months from accrual; ₹100 fee per redemption
  • Cash redemption floor ₹0.40/pt, capped 5,000 points a month (since Sep-2024)

3 more on its page

Scapia (Axis Bank)

  • Coins spend ONLY on Scapia-app travel — no cashback, no transfers, no airline; 5 coins = ₹1
  • Lounge access is primary-cardholder only, needs a QR code generated at the airport with a boarding pass and location access, and switches on 3–5 working days after the billing date
  • Rewards accrue on NEITHER wallet loads, education, fuel, government, EMI, business services, rent, crypto, MOTO, insurance nor utilities

5 more on its page

Common questions 5 answered

Which is better, IndusInd Tiger or Scapia (Axis Bank)?

IndusInd Tiger is ahead of Scapia (Axis Bank) at 19 of the 20 spends we test between ₹25,000 and ₹5 lakh a month and level at the rest; its lead is widest at ₹4.75 lakh a month, at ₹1,78,000 a year. At ₹75,000 a month the gap is mostly what each card earns on your spend: IndusInd Tiger returns ₹32,000 a year in rewards to Scapia (Axis Bank)'s ₹15,100. Pick Scapia (Axis Bank) instead if you spend abroad: its forex markup is 0% against 1.5% on IndusInd Tiger, 1.5 percentage points less on every rupee spent in another currency.

IndusInd Tiger or Scapia (Axis Bank): which is worth more at ₹3 lakh a month?

IndusInd Tiger beats Scapia (Axis Bank) by ₹1,10,200 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.

Which costs less to get, IndusInd Tiger or Scapia (Axis Bank)?

They cost the same: ₹0 — lifetime free. IndusInd Tiger has no fee waiver; Scapia (Axis Bank) has no fee waiver.

Which gets you into more airport lounges, IndusInd Tiger or Scapia (Axis Bank)?

IndusInd Tiger: 720 of the 792 lounges we track, against 0 for Scapia (Axis Bank). Visit limits and guest charges differ by card; each card's page lists them.

How current is this comparison?

IndusInd Tiger was last checked against its bank's own documents on 25 Oct 2026, Scapia (Axis Bank) on 24 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.

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Sources

IndusInd Tiger was last checked against its bank's own documents on 25 Oct 2026, Scapia (Axis Bank) on 24 Oct 2026. Every fact above comes from these 18 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.

The documents 18 sources
  1. Official Product page — the Magnificent Rewards slab grid (1× up to ₹1,00,000 of anniversary-year spend, 2× to ₹2,50,000, 4× to ₹5,00,000) read
  2. Official MITC PDF — joining, annual and add-on fees all Nil; 3.5% per month / 42% p.a; interest; 1.5% foreign-currency mark-up + GST; ₹100 rewards-redemption fee read
  3. Official Bank-wide MITC — Tiger's dynamic-currency-conversion fee is 2% + GST from 15 June 2026 (1% until 14 June 2026); forex 1.5% read
  4. Official Benefit guide PDF — the same 1/2/4/6 slab table and its ₹6L illustration (20,000 RP), 1 RP = ₹0.40 cash credit, one complimentary golf game or lesson a quarter read
  5. Official IndusInd's domestic-lounge spend rule (from 1 Apr 2026) — its card-by-card threshold grid names six cards and Tiger is not one of them, so Tiger's domestic visits carry no spend gate read
  6. Official IndusInd's domestic airport lounge programme list (19 Oct 2026) — names Bajaj Tiger among the eligible cards and sets entry by a ₹2 Visa card swipe, with no spend condition read
  7. Official Bank Maharaja redemption page — 100 RP = 100 Maharaja Points, 500-point minimum, multiples of 100 read
  8. Official Bank KrisFlyer redemption T&C — table now reads 400 RP = 100 miles (4:1; URL slug preserves the old 400x120) read
  9. Community LiveFromALounge — Tiger adds 1:1 Maharaja transfers, live 1 June 2026, up to 25,000 points a month read
  10. Community CardExpert's Tiger review (updated 24 Jul 2026) — "Reward Rate Upto ~6%" on the 1:1 Air India transfer that went live on 1 June 2026 read
  11. Community CardMaven review — Visa Signature read
  12. Official IndusInd UPI/RuPay FAQ — Tiger absent from RuPay list read
  13. Official Tiger Priority Pass programme T&C — membership complimentary; the usage charge waived for at most 2 primary-cardholder visits a year, at lounges outside India only read
  14. Official Axis Bank's Scapia member terms — the nil joining and annual fee, the 2%/1%/4% value-back table, "5 Scapia Coins = INR 1", zero forex, and the ₹20,000 lounge threshold read
  15. Official Axis Bank's Scapia product page — the Zero joining/annual fee row, NIL foreign currency and DCC, the fee schedule, and the 18–70 eligibility band read
  16. Official Axis Bank Key Fact Sheet, updated 17-Sep-2026 — Scapia Axis joining INR 0 / annual INR 0, Nil foreign transaction fee and Nil DCC markup read
  17. Community Business Today — the 3 September 2026 launch date, Mastercard and RuPay at go-live, and Scapia's third banking partner read
  18. Community Live From A Lounge — the tie-up on the Mastercard platform, and Scapia's route from Federal to BOBCARD to Axis read

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