First-year fee
₹0
Annual fee
₹0
What it gives back
10% rewards (as Scapia Coins) on daily spends, from cab rides to grocery shopping.
How it compares
Compared with the cards we have read
Fees
Joining feeRenewal feeAdd-on card fee
₹0
Rewards
Reward rate
10% rewards (as Scapia Coins) on daily spends, from cab rides to grocery shopping.
Travel earning
20% rewards on flights, stays, trains, buses, visas, experiences and shopping on the Scapia app.
Reward exclusions
Rewards shall not accrue on transactions including but not limited to: wallet loading transactions, education services and school fees, fuel transactions and fuel surcharge, government services, EMI transactions
Reward caps
No cap on earning and redeeming rewards on the Scapia app.
Catalogue redemption
Redeem Scapia Coins on all travel bookings and shopping on the Scapia app, across flights, stays, buses, trains, visas, and experiences, with no redemption cap.
Card benefits
Domestic lounge access
Unlimited domestic lounge access across 100+ airports in India; unlocks on a monthly spend of ₹20,000.
Hotel or travel programme
Dine or shop for free at domestic airports, worth up to ₹1,000; unlocks on a monthly spend of ₹20,000. Pay with the card at the airport on your travel date and earn the full value back as Scapia Coins, up to ₹1,000.
Minimum spend rules
RuPay edition earns 5% rewards on all eligible UPI, online, and offline spends of ₹500 or above.
Also included
Fuel surcharge waiver
1% of transaction amount, refunded for fuel transactions up to ₹5,000. Maximum benefits up to ₹500 per Statement Cycle.
Charges
Dynamic currency conversion markup
3.5% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation
Forex markup
0%NIL (zero forex markup)
Cash advance fee
2.5% of transaction (minimum ₹500)
Interest on unpaid balance
3.75% per month (55.55% per annum)
Interest-free period
20 to 50 days interest-free when you pay in full.
Late payment fee
Nil if Total Payment Due is less than ₹500; ₹500 for ₹501-₹5,000; ₹750 for ₹5,001-₹10,000; ₹1200 for more than ₹10,000 to ₹50,000; ₹1300 above ₹50,000.
Over-limit fee
Over-limit Fees: 2.5% of Over-limit Amount (Min ₹500).
Payment return or dishonour fee
Cheque Return or Dishonour Fee or Auto Debit Reversal: 2% of payment amount; minimum ₹500.
Statement or duplicate statement fee
Duplicate Statement Fee: Waived
Card replacement fee
Replacement fee: Waived
Cash payment / cash deposit fee
Fees for Cash Payment at Branches: ₹175.
Education / school fee charge
Education Transaction Fee: 1% on each Education Payments made via third party apps for all Axis Bank credit cards.
Fee for paying the bill by cheque
Outstation cheque fee: Waived
Fee on online skill-based gaming spends
Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms i.e. in a statement cycle.
Wallet load charge
Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.
What the card's fee or benefit year means
Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter
Fuel transaction fee
1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.
Rent transaction fee
Rent Transaction fee: 1% of each Rental Transaction Amount for all Axis Bank Credit Cards.
Utility transaction fee
Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more on utilities per statement cycle.
GST note
GST, as notified by the Government of India, is applicable on all fees, interest and other charges, and is subject to change as per relevant regulations of the Government of India
Grace days after the due date
Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.
Minimum amount due
Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100
Eligibility
Eligibility
Primary cardholder 18-70 years of age; resident of India.
Minimum age
18-70 years of age
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
The Free Credit Period is lost if the Total Amount Due of the previous month is not paid by the Payment Due Date.
How we know - 6 documents from Axis Bank, checked 8 Nov 2026
₹0 for life
ApplyThe Sunday Statement.
Every Sunday. What your bank changed this week — before your statement tells you.