Scapia lands on Axis — the zero-fee, zero-forex card gets its third bank

Scapia’s zero-fee travel card now has a third issuer. Axis Bank’s member terms say it in one line: “There is no joining fee and annual fee for Scapia Axis Bank Credit Card.” Axis’s Key Fact Statement of 17 September adds a Scapia column that prints INR 0 for both fees and nil forex and DCC markup.

What you get, in real money (5 Scapia coins = ₹1):

• 10% in coins on the Mastercard, which is 2% back.
• 20% in coins on bookings in the Scapia app, which is 4%.
• 5% in coins on the RuPay twin for UPI spends of ₹500 or more, which is 1%.
• Unlimited domestic lounge access once you spend ₹20,000 in a month.

The coins can only be spent inside Scapia’s app. The card itself hasn’t changed; the bank has. Scapia used to depend on Federal Bank or BOBCARD approving you, and a nationwide private lender now does that too.

Source: Axis Bank — Scapia Axis Bank Credit Card terms; Key Fact Statement, 17 September 2026.

Comparisons this changes

A

IndusInd Tiger vs Scapia (Axis Bank)

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.

A

Scapia (Federal Bank) vs Scapia (Axis Bank)

Scapia's card from two banks, built on one engine: the same coins at five to the rupee, spendable only in the Scapia app, 10% on card spend and 20% on app flights and hotels, 0% forex, no fee, and unlimited domestic lounges on ₹20,000 of the previous month's spend. The page's value model scores the two level at every spend level it tests, so the issuer's fine print decides it: Federal's is a Visa card and Axis's a Mastercard, each with a RuPay twin for UPI, and Federal's coins expire after 36 months where Axis publishes no expiry.

A B(B

Scapia (Axis Bank) vs Scapia (BOBCARD)

Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 2.0% at no fee at all against 2.0% at no fee at all.

Axis Bank transfer partners