Detailed head-to-head comparison between Scapia Axis Bank Credit Card and IDFC FIRST WOW! Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.
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
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
Detailed attribute comparison and head-to-head winner declaration
| Key Specification | ||
|---|---|---|
| Bank / Issuer | Axis Bank | IDFC FIRST Bank |
| Joining Fee | Free | Free |
| Annual / Renewal Fee | Free | Free |
| Fee Waiver Condition | No waiver disclosed | No waiver disclosed |
| Rewards & Cashback | 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex. | 4X points (4 RP per ₹200) on online, offline, and international retail transactions (0.50% return) |
Airport Lounge Access | Unlimited Domestic visits · ₹20k monthly spend required 26 domestic airports | No complimentary lounge access |
| Welcome Bonus | Standard welcome pack |
|
| Best Suited For | Zero Forex Markup, Scapia Travel Rewards & RuPay UPI | Credit builders, students, freelancers without income proof, and overseas travelers seeking a guaranteed-approval card with zero foreign exchange fees and high FD interest. |
| Official Apply Link | Apply on Official Scapia Portal | Apply Online (IDFC FIRST Bank) |
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 Scapia Axis Bank Credit Card and IDFC FIRST WOW! Credit Card.
Scapia Axis Bank Credit Card charges a joining fee of Free and an annual renewal fee of Free. In comparison, IDFC FIRST WOW! 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.
Scapia Axis Bank Credit Card offers: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.. On the other hand, IDFC FIRST WOW! Credit Card features: 4X points (4 RP per ₹200) on online, offline, and international retail transactions (0.50% return). Your choice should depend on where you spend the most (e.g. online shopping vs travel vs fuel).
Scapia Axis Bank Credit Card: Unlimited Domestic visits · ₹20k monthly spend required. IDFC FIRST WOW! Credit Card: No complimentary lounge access. 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.