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🆓 Lifetime free
Scapia × Axis Bank
Scapia Credit Card
★ 4.6 / 5 ⓘ How we rateFree travel card: 0% forex + unlimited lounge access
✅ Verified Oct 2026 from Axis Bank's official terms →
🆓 Lifetime Free🎁 1% – 4% value back
Apply Now — it's free →
🔒 You'll apply on Axis Bank's secure page · takes ~5 minutes
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
🌍
0% forexin 180+ countries
♾️
Unlimited loungesdomestic, on ₹20k monthly spend
🧳
4% backon Scapia app travel bookings
👤
Perfect for
Travellers and anyone who spends abroad
Key benefits
- Zero forex markup and zero DCC markup on international spends
- Unlimited domestic lounge access in any month you spend ₹20,000
- 4% back as Scapia Coins on flights, hotels & buses booked in the Scapia app (no cap)
- 2% back on regular card spends; 1% on RuPay UPI spends
- Airport dining, shopping & spa bills back as coins (up to ₹1,000 per bill)
Like these benefits?Lifetime free — nothing to lose.
Apply Now →
What's great
- Lifetime free with premium travel perks
- No cap on travel rewards
- Great for foreign trips
Good to know
- Coins only redeemable on Scapia app travel
- Lounge needs ₹20,000 spend every cycle
- No international lounges
Quick facts
Fee waiverLifetime free — no joining or annual fee
Lounge accessUnlimited domestic (₹20k/month spend)
Min. income₹5 lakh/year
Age18 – 70 years
Credit score750+
NetworkMastercard / RuPay
Forex markup0%
Joining feeFREE
How to apply
1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 3.75%/month (45% p.a.) |
| Foreign currency markup | 0% |
| Cash withdrawal fee | 2.5% |
| Late payment fee | ₹0 – ₹1,300 by bill amount |
- 1% fee on rent payments
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ Scapia — common questions
Is the Scapia Credit Card lifetime free?
Yes. The Scapia Credit Card has no joining fee and no annual fee.
What rewards does the Scapia Credit Card give?
1% – 4% value back. Zero forex markup and zero DCC markup on international spends.
Who is eligible for the Scapia Credit Card?
Minimum income: ₹5 lakh/year. Age: 18 – 70 years. Credit score: 750+. Final approval is decided by the bank.
Does the Scapia Credit Card give airport lounge access?
Yes — Unlimited domestic (₹20k/month spend).
What is the forex markup on the Scapia Credit Card?
0% on foreign currency spends (plus GST).
Who should get the Scapia Credit Card?
Travellers and anyone who spends abroad.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.
Scapia × Axis Bank Scapia🆓 Lifetime free · Apply in ~5 min
Apply Now →