Is the Scapia Axis Bank credit card really free?

Axis Bank lists zero joining and annual fee. But the fee table adds 1% + GST on rent, on wallet loads above ₹10,000, utilities above ₹25,000 and fuel above ₹50,000 per statement, and a 3.75% monthly finance charge if you carry a balance.

How do I unlock lounge access on the Scapia Axis card?

The T&C says spend ₹20,000 in a billing cycle; access is enabled 3 to 5 working days after the billing date. Scapia's website says spends on the two variants can be combined, but the T&C says they cannot, so putting the full amount on one variant is the safer reading.

Does the Scapia Axis RuPay card earn rewards on UPI?

The T&C gives the RuPay variant 5% on eligible spends “of more than Rs. 500” and says purchases below Rs. 500 earn nothing. Business Today reported the 5% rate as covering UPI, online and offline spends.

Can I use Scapia Coins outside the Scapia app?

The Axis page describes redemption on travel bookings and shopping in the Scapia app, with no redemption cap. We found no other redemption route on the issuer pages we checked.

Is this the same as the Federal Bank Scapia card?

No. Scapia's cards are issued by Federal Bank, Axis Bank and BOBCARDS as separate products. The Axis card is Mastercard and RuPay, with its own terms and bill.

Scapia Axis credit card review: zero forex, coins and lounge rules

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Scapia Axis credit card review: zero forex, coins and lounge rules | Spendzie