What are the annual fees for Scapia Credit Card and Axis My Zone Credit Card?

Scapia Credit Card has no annual fee. Axis My Zone Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Scapia Credit Card earns about 2% on general spends; Axis My Zone Credit Card earns about 0.4%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Scapia Credit Card: 0%. Axis My Zone Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Scapia Credit Card: yes — see the lounge row above for limits. Axis My Zone Credit Card: yes — see the lounge row above for limits.

Card Comparison

Scapia vs Axis My Zone

Scapia vs Axis My Zonecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Scapia

Federal Bank

FeeFree

Eff. rate2%

CapNone

Fee

Free

Eff. rate

Cap

None

Axis My Zone

Axis Bank

Fee₹500+GST

Eff. rate0.4%

CapNone

Fee

₹500+GST

Eff. rate

0.4%

Cap

None

Quick take

How they compare

Scapia and Axis My Zone suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: Free vs ₹500 annual fee. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Scapia

Annual fee: Free
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (0%)

Axis My Zone

Annual fee: ₹500 + GST
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

52 specs · 13 sections

Scapia

Axis My Zone

Feature

Scapia

Axis My Zone

Annual Fee

Free

₹500

Joining Fee

Free

₹500

Fee Waiver Spend

N/A

Forex Markup

3.5%

Reward Type

Reward Points

Base Rate

0.4%

Online Rate

—

Offline Rate

0.4%

Effective Base Rate

0.4%

Point Value

₹0.2

Redemption Quality

MEDIUM

LOW

Best Redemption

₹0.2

₹0.4

Worst Redemption

₹0.2

Eazydiner

—

15%

Swiggy

—

24%

Grocery / Supermarkets

0.4%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.4%

Flights, Hotels, OTAs, Tour Operators

0.4%

Other Retail / Catch-all

0.4%

Monthly Cap

No cap

Est. Annual Cap

No cap

Total Excluded

2 categories

10 categories

Cinema / Movie Theatres

Earns rewards

Excluded

Fuel / Petrol / Diesel / CNG

Earns rewards

Excluded

Gold / Jewellery

Earns rewards

Excluded

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Earns rewards

Excluded

Domestic Visits/Year

-1

International Visits/Year

None

Priority Pass

Est. Annual Value

₹5,280

₹1,760

Forex Markup

3.5%

International Rate

Yes

Description

—

Free SonyLiv Premium annual subscription (issuer-quoted ₹1,499; SonyLiv direct subscriber price is ₹999, which is the realistic value) on first spend within 30 days of card issuance

Estimated Value

—

₹999

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Shopping

Movies, Shopping, Food

Min Income

Not specified

Income Proof

Not required

Required

Secured FD

Available

Accepting Applications

Yes

Network

Visa, RuPay

Visa, Mastercard

Card Tier

Entry

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Scapia Credit Card and Axis My Zone Credit Card?: Scapia Credit Card has no annual fee. Axis My Zone Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Scapia Credit Card earns about 2% on general spends; Axis My Zone Credit Card earns about 0.4%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Scapia Credit Card: 0%. Axis My Zone Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Scapia Credit Card: yes — see the lounge row above for limits. Axis My Zone Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Federal Bank - Scapia · Axis Bank - Axis My Zone