Scapia Axis Bank and IDFC FIRST WOW! both offer permanent 0% foreign currency markup and ₹0 annual fees. However, Scapia is an unsecured credit card requiring standard income proof and offering unlimited airport lounge access on ₹20,000 monthly spend, while IDFC FIRST WOW! is an FD-backed secured card with 100% approval and no income proof required.
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