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Comparison · हिन्दी

Scapia Federal vs Axis ACE

Both cards compared on real rupee returns for best no fee credit card India zero forex vs flat cashback Scapia vs Axis. We ran the numbers so you can make the right call.

Last updated: September 2026 · Based on current card terms
FEDERAL
ASHOK KUMAR
VS
AXIS
ACE
ASHOK KUMAR
Our verdict
Scapia Federal Bank Credit Card wins for most people
Card A wins with ₹6,240 annual benefit versus Card B's ₹4,841, delivering 29% more value. Its 4% travel rewards and 2% blanket coverage on shopping and dining create superior rewards for this spend profile.
Side-by-side comparison
Scapia Federal Bank Credit Card ✓ Axis ACE Credit Card
Annual benefit ₹6,240 ₹4,841
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹499 + taxes (waived on ₹2L annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026) 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges on ₹50,000+ international flight bookings via the Scapia app 4 domestic visits/year (on ₹50,000/quarter spend)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% 3.5%
Best for Travel rewards with zero forex and lounge access Utility bill payments and everyday flat cashback
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹5L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
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When each card wins
Scapia Federal Bank Credit Card
Choose Card A if travel spending is significant and you want maximum rewards without forex hassles. The 4% on travel via the Scapia app, combined with 2% on shopping and dining, optimizes your ₹15,000 non-utility spend annually.
Axis ACE Credit Card
Choose Card B only if utility bill payments via Google Pay become your priority and you consistently exceed ₹2L annual spend to waive the fee. Otherwise, its flat 1.5% cashback on non-category spends underperforms.
Who should get which card
Get Scapia Federal Bank if you…
· Travel enthusiasts benefiting from 4% rewards and zero forex charges
· Shoppers and diners earning consistent 2% value back
· Those seeking lifetime-free card with no spend threshold waiver
Get Axis ACE if you…
· Heavy utility bill payers leveraging 5% cashback via Google Pay
· Swiggy and Zomato users with frequent food delivery orders
· High-spend customers (₹2L+) justifying the ₹499 annual fee
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Related guides
Scapia Federal Bank vs ixigo AU →Scapia Federal Bank vs Scapia Axis Bank →HDFC Millennia vs Axis ACE →Axis ACE vs SBI Cashback →Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Scapia Federal Bank Credit Card offers better annual returns for most spend profiles.
Scapia Federal Bank Credit Card has an annual fee of Lifetime free. Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend).
Scapia Federal Bank Credit Card offers 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026). Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends.
Scapia Federal Bank Credit Card lounge access: Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges on ₹50,000+ international flight bookings via the Scapia app. Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend).
Scapia Federal Bank Credit Card charges 0% forex markup. Axis ACE Credit Card charges 3.5% forex markup.