Cardfare / Cards / Scapia Axis Bank Credit Card
Scapia Axis Bank Credit Card: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one Scapia Coins unit at ₹0.2 (5 scapia coins = ₹1 when redeemed for flights/hotels/bus and other bookings on the scapia app).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| Scapia app (online) | 20 pts / ₹100 | 4.0% | Min. ₹20 per transaction | Terms |
| Cabs & rides | 10% in Scapia Coins | 2.0% | — | Terms |
| Groceries & quick commerce | 10% in Scapia Coins | 2.0% | — | Terms |
| UPI payments | 5% in Scapia Coins | 1.0% | Min. ₹500 per transaction | Terms |
| All online spends | 5% in Scapia Coins | 1.0% | Min. ₹500 per transaction | Terms |
| All in-store spends | 5% in Scapia Coins | 1.0% | Min. ₹500 per transaction | Terms |
| Everything else | 10 pts / ₹100 | 2.0% | Min. ₹20 per transaction | Terms |
| Wallet loads | No rewards | 0% | — | Terms |
| Education fees | No rewards | 0% | — | Terms |
| Fuel | No rewards | 0% | — | Terms |
| Tax & government Re-checking after a terms change | No rewards | 0% | — | Terms |
| Rent Re-checking after a terms change | No rewards | 0% | — | Terms |
| Insurance premiums Re-checking after a terms change | No rewards | 0% | — | Terms |
| Bills & utilities Re-checking after a terms change | No rewards | 0% | — | Terms |
Milestones
- Net spend of ₹20,000 in a billing cycle unlocks unlimited complimentary domestic lounge access and airport privileges (free dining/shopping at domestic airports up to ₹500–₹1,000 per transaction, credited as coins, capped at ₹2,500–₹5,000 per cycle by city). No fixed ₹ value because it depends on travel.
Recent changes
-
Benefit changeAxis Bank
Scapia adds lounge access with a ₹20,000 monthly spend unlock
The terms now advertise unlimited domestic lounge access, unlocked on a monthly spend of ₹20,000. The airport dine-or-shop benefit is also stated to unlock on that monthly spend.
Cards: Scapia Axis Bank Credit Card
-
New feeAxis Bank· since 28 August 2026
Axis raises top late-payment fee to ₹1,300
The late fee for outstanding balances above ₹50,000 rises to ₹1,300, while lower slabs are unchanged. Payments are now applied first to fees and taxes, then EMIs, interest, purchases and cash advances.
Applies across Axis Bank's cards
Source: Business Standard
-
CutAxis Bank· since 1 October 2025
Axis forfeits unredeemed points 30 days after card closure
Axis can forfeit unredeemed EDGE Reward Points or EDGE Miles 30 days after a card is closed, or once the minimum due has been outstanding for more than 90 days. Redeem before closing the card.
Applies across Axis Bank's cards
Source: Live From A Lounge
-
UpdateAxis Bank· since 20 June 2025
Axis defines reward exclusions by spend category instead of MCC
Axis now decides which spends are excluded from rewards, fee waivers and milestones using its own spend-category labels (Utility & Telecom, Rent, Wallet, etc.) rather than 4-digit merchant category codes. Axis said the list of excluded categories itself did not change.
Applies across Axis Bank's cards
Source: Live From A Lounge