Both Scapia Axis Bank and ixigo AU are premier zero-forex credit cards with ₹0 joining and renewal fees. Scapia specializes in app-based travel coins (up to 20%) and unlimited domestic airport lounges on ₹20,000 monthly spend, while ixigo AU offers 0% forex markup, 16 railway + 8 airport lounge visits per year, and exclusive booking discounts on ixigo.
Best for: Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters
Rewards: 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25)
Lounge: 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic)
Last verified 2 Oct 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
Last verified 15 Oct 2026