Axis
Scapia Credit Card
This is an invite only card
Apply and get ₹550 Rewards
Top Benefits
Save 100% on Forex Markup Across 180+ Countries
On your international and DCC spends, with only card network charges and taxes payable
Enjoy Unlimited Domestic Airport Lounge Access
At 100+ airports across India, unlocked once you spend ₹20,000 in a billing cycle
Best For
Travel
Joining / Annual Fee
Joining Fees
₹1 ( ₹1 + GST )
Annual Fees
₹1 ( ₹1 + GST )
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
See if you are eligible for this card
All Card Benefits
- Earn 4% value back 20 Scapia Coins per ₹100 on flights, hotels and buses booked on the Scapia App, with no cap
- earn 2% value back 10 Scapia Coins per ₹100 on eligible Mastercard spends of ₹20 or more and 1% 5 Scapia Coins per ₹100 on RuPay UPI, online and offline spends of ₹500 or more
- save the full forex markup with zero foreign currency and DCC markup on international spends
- enjoy unlimited complimentary domestic airport lounge access once you spend ₹20,000 in a billing cycle
- get your airport dining, shopping or spa bill back as Scapia Coins, up to ₹1,000 per transaction, unlocked by the same ₹20,000 spend
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Scapia Coin = ₹0.20
Redemption Options
- Scapia app
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Wallet Load
Education Fees
Fuel
Government Spends
EMI
Business Services
Rent
Crypto
Insurance
Utility Bills
Gift Cards
Toll Fees
For Spends Waiver
Wallet Load
Education Fees
Fuel
Government Spends
EMI
Business Services
Rent
Crypto
Insurance
Utility Bills
Gift Cards
Toll Fees
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  No forex markup is charged on transactions made in currencies other than INR on this card | 0% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500 | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets. | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹175 is charged for making credit card bill payments in cash at the branch | ₹175 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹500 | ₹0 |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹50,000 | ₹1250 |
| ₹50,000+ | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹550 Rewards
Top Benefits
Save 100% on Forex Markup Across 180+ Countries
On your international and DCC spends, with only card network charges and taxes payable
Enjoy Unlimited Domestic Airport Lounge Access
At 100+ airports across India, unlocked once you spend ₹20,000 in a billing cycle
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