Scapia Axis Bank vs Scapia Federal
Both have the same annual fee, Free. Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | Scapia Axis BankAxis0 wins | Scapia FederalFederal0 wins |
|---|---|---|
| Annual fee | Free | Free |
| Joining fee | Free | Free |
| Fee waiver | No fee to waive | No fee to waive |
| Rewards | 20% rewards on travel bookings on the Scapia app; 10% rewards on daily spends; zero forex markup; unlimited domestic lounge access | Scapia coins on all spends (5 coins = INR 1); zero forex markup on Visa card; 5% rewards on UPI and spends of INR 500 or more on RuPay card |
| Airport lounges | unlimited domestic | unlimited domestic |
| Forex markup | 0% plus GST | 0% plus GST |
| Points | Scapia Coins, about ₹0.2 a point | Scapia Coins, about ₹0.2 a point |
| Published minimum income and age | age 18 to 70 | Not published |
| Network | Mastercard / RuPay | Visa / RuPay |
| Apply | Bank page | Bank page |
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.
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