Axis

Scapia Credit Card

Check Scapia Credit Card eligibility, income criteria, fees, reward/cashback rates, benefits and exclusions. Compare features and apply online.

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Issued by

Axis

Scapia Credit Card image
Joining Fee₹1
Annual Fee₹1
Income₹25000
Credit Score750

Key Highlights

Save 100% on Forex Markup Across 180+ Countries

On your international and DCC spends, with only card network charges and taxes payable

Travel

Enjoy Unlimited Domestic Airport Lounge Access

At 100+ airports across India, unlocked once you spend ₹20,000 in a billing cycle

Enjoy Unlimited Domestic Airport Lounge Access

At 100+ airports across India, unlocked once you spend ₹20,000 in a billing cycle

Travel

Earn 4% Value Back on Scapia App Travel Bookings

Credited as 20 Scapia Coins per ₹100 on flights, hotels and buses, with no cap on what you earn

Eligibility

Age Criteria18-70

Applicants must be between 21 and 65 years of age at the time of application.

Credit Score750

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹3 LPA

Minimum Annual Income of ₹5 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹1

This card has no joining fee, it is lifetime free.

Joining Fee OffsetNot Applicable
Annual Fee₹1

This card has no annual fee, it is lifetime free.

Annual Fee WaiverNot Applicable
Estimated Annual Saving₹207171

Rewards & Redemption

Reward Conversion1 Scapia Coin = ₹0.20
Redemption Options
  • Scapia app
Earning ExclusionsWallet Load, Education Fees, Fuel, Government Spends, EMI, Business Services, Rent, Crypto, Insurance, Utility Bills, Gift Cards, Toll Fees
Spend ExclusionsWallet Load, Education Fees, Fuel, Government Spends, EMI, Business Services, Rent, Crypto, Insurance, Utility Bills, Gift Cards, Toll Fees

Benefits

All 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

Flight Benefits

  • Earn 4% value back 20 Scapia Coins per ₹100) on flights booked on the Scapia App, with no cap

Railway Benefits

  • Redeem your Scapia Coins on train bookings on the Scapia App, at 5 Scapia Coins = ₹1

Cab Benefits

  • Earn 2% value back 10 Scapia Coins per ₹100 on cab rides paid with your Mastercard

Bus Benefits

  • Earn 4% value back 20 Scapia Coins per ₹100 on bus bookings made on the Scapia App, with no cap

Airport Lounge Benefits

  • Enjoy unlimited complimentary domestic airport lounge access once you spend ₹20,000 in a billing cycle, enabled 3–5 working days after your billing date, for the primary cardholder only through a Scapia App QR code

Dining Benefits

  • Get your dining bill at participating domestic airport outlets back as Scapia Coins, up to ₹1,000 per transaction, once you spend ₹20,000 in a billing cycle; capped at ₹2,500 or ₹5,000 a billing cycle by city

Fuel Surcharge Waiver

  • Save 1% on fuel surcharge for fuel transactions up to ₹5,000, capped at ₹500 plus taxes a billing cycle

Bank Offer

  • Save 100% of the forex markup with zero foreign currency and DCC markup across 180+ countries
  • Get your airport shopping or spa bill back as Scapia Coins, up to ₹1,000 per transaction, once you spend ₹20,000 in a billing cycle

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different variant of the Scapia Credit Card based on your eligibility. Please review the features and benefits of the card issued before completing your application
To activate your card and start earning Scapia Coins, you must make a minimum transaction of ₹1 within 30 days of card issuance. Failing to do so will make you ineligible for the welcome benefits

FAQ

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