Detailed head-to-head comparison between IDFC FIRST WOW! Credit Card and Scapia Axis Bank Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.
Best for: Credit builders, students, freelancers without income proof, and overseas travelers seeking a guaranteed-approval card with zero foreign exchange fees and high FD interest.
Rewards: 4X points (4 RP per ₹200) on online, offline, and international retail transactions (0.50% return)
Forex markup: 0% (Zero Forex)
Last verified 17 Sept 2026
Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Lounge: Unlimited Domestic visits · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Last verified 15 Oct 2026
Detailed attribute comparison and head-to-head winner declaration
| Key Specification | ||
|---|---|---|
| Bank / Issuer | IDFC FIRST Bank | Axis Bank |
| Joining Fee | Free | Free |
| Annual / Renewal Fee | Free | Free |
| Fee Waiver Condition | No waiver disclosed | No waiver disclosed |
| Rewards & Cashback | 4X points (4 RP per ₹200) on online, offline, and international retail transactions (0.50% return) | 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex. |
Airport Lounge Access | No complimentary lounge access | Unlimited Domestic visits · ₹20k monthly spend required 26 domestic airports |
| Welcome Bonus |
| Standard welcome pack |
| Best Suited For | Credit builders, students, freelancers without income proof, and overseas travelers seeking a guaranteed-approval card with zero foreign exchange fees and high FD interest. | Zero Forex Markup, Scapia Travel Rewards & RuPay UPI |
| Official Apply Link | Apply Online (IDFC FIRST Bank) | Apply on Official Scapia Portal |
Detailed complimentary domestic & international lounge entitlement comparison
This card does not bundle complimentary domestic or international airport lounge visits. Check airport lounge card options for complimentary access.
Our data-driven recommendation
Choose Scapia Axis Bank if you meet credit eligibility criteria and want domestic airport lounges and travel rewards. Choose IDFC FIRST WOW! if you need an instant credit card with zero income documentation or wish to build your CIBIL score from scratch.
Everything you need to know about choosing between IDFC FIRST WOW! Credit Card and Scapia Axis Bank Credit Card.
IDFC FIRST WOW! Credit Card charges a joining fee of Free and an annual renewal fee of Free. In comparison, Scapia Axis Bank Credit Card has a joining fee of Free and an annual fee of Free. Check the fee waiver threshold in the matrix above to see if your annual spend qualifies for a full renewal fee reversal.
IDFC FIRST WOW! Credit Card offers: 4X points (4 RP per ₹200) on online, offline, and international retail transactions (0.50% return). On the other hand, Scapia Axis Bank Credit Card features: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.. Your choice should depend on where you spend the most (e.g. online shopping vs travel vs fuel).
IDFC FIRST WOW! Credit Card: No complimentary lounge access. Scapia Axis Bank Credit Card: Unlimited Domestic visits · ₹20k monthly spend required. Spend requirements vary by card and are shown from the latest structured lounge rules. Check card details or airport eligibility results for current thresholds.
Clicking on the official apply buttons takes you straight to the verified bank portal with Video-KYC capability for instantaneous credit decisioning.
Explore editorially verified credit card comparisons in India for 2026.