CheQ AU vs Scapia Axis Bank
Both have the same annual fee, Free. For spends abroad, Scapia Axis Bank charges the lower forex markup (0% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | CheQ AUAU Small Finance0 wins | Scapia Axis BankAxis2 wins · ahead |
|---|---|---|
| Annual fee | Free | Free |
| Joining fee | Free | Free |
| Fee waiver | No fee to waive | No fee to waive |
| Rewards | 12% rewards on favourite brands, 5% on favourite categories, 2.5% on CheQ UPI, 1% CheQ points on every transaction | 20% rewards on travel bookings on the Scapia app; 10% rewards on daily spends; zero forex markup; unlimited domestic lounge access |
| Airport lounges | None listed | Moreunlimited domestic |
| Forex markup | 3.49% plus GST | Lower0% plus GST |
| Points | CheQ Points, about ₹0.5 a point | Scapia Coins, about ₹0.2 a point |
| Published minimum income and age | age 21 to 65 | age 18 to 70 |
| Network | Visa / RuPay | Mastercard / RuPay |
| Apply | Bank page | ApplyAffiliate link |
Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.
Common questions
Which has the lower annual fee?
Both charge Free a year.
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