Lifetime Free Travel Credit Card with 0% Forex Markup & Unlimited Domestic Lounge Access
Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Free
One-time upfrontFree
Lifetime Free — no renewal fee10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
On eligible spendsUnlimited Domestic visits · ₹20k monthly spend required
Complimentary visitsLast verified 15 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Scapia Axis Bank Credit Card is one of India's best Lifetime Free (LTF) travel credit cards. Offering a true 0.00% forex markup on international transactions, 2% effective rewards on domestic retail (10% Scapia Coins), 4% on travel bookings (20% Coins), 1% on RuPay UPI, online, and offline transactions of ₹500+ (5% Coins), and unlimited domestic airport lounge access with an accessible ₹20,000 billing-cycle spend hurdle, it provides exceptional value. Keep in mind: international spends earn zero coins, coins expire after 36 months and are redeemable only within the Scapia travel portal, and there is no complimentary international lounge access.
Enjoy true 0% foreign currency markup on all international purchases, point-of-sale terminals, and overseas online transactions. Save standard bank cross-border markups of 3.5% to 5.0%. Note: International transactions carry 0% markup and do not accrue Scapia Coins.
Unlock unlimited complimentary domestic airport lounge access across participating lounges in India by spending at least ₹20,000 in the preceding billing cycle (benefit activated automatically on the next statement date). Alternatively, access Scapia Airport Privileges across 100+ domestic airports in India for up to ₹1,000 complimentary dining, shopping, or spa perks inside the Scapia app.
Earn 20% Scapia Coins on flight and hotel bookings via the Scapia app (4% effective return) and 10% Scapia Coins on all eligible domestic retail purchases (2% return). Coins are valid for 36 months from accrual and redeemable instantly with zero minimum barrier or convenience fee.
Seamlessly link your Scapia RuPay credit card to UPI apps (Google Pay, PhonePe, Paytm, Scapia Pay) or use it for everyday online and offline retail purchases. Earn 5% Scapia Coins (1.0% effective return) on eligible merchant transactions of ₹500 and above (transactions under ₹500 do not earn coins).
Get a 1% fuel surcharge waiver on all fuel transactions across petrol pumps in India (max waiver ₹400-₹500 per statement cycle). Fuel purchases do not earn reward coins.
Enjoy full premium card benefits with no joining fee, no annual renewal charges, and no hidden maintenance fees for life.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
Reward rates and caps for partner merchants on this card
20% in PointsReward Points
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Eligible Domestic Retail Spends (Online & In-store) | 10% Scapia Coins (2.0% effective reward value) on eligible domestic retail spends (excludes forex) | No Cap | Standard terms apply |
| RuPay UPI & Retail Spends (₹500+) | 5% Scapia Coins (1.0% effective reward value) on eligible RuPay UPI, online, and offline transactions of ₹500 and above | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Scapia App Travel Bookings (Flights & Hotels) | ₹6,000 | 20% Scapia Coins (4.0% effective reward value) on flights & hotel stays booked via Scapia app | — | None | Calculating... | Under cap |
| Eligible Domestic Retail Spends (Online & In-store) | ₹18,000 | 10% Scapia Coins (2.0% effective reward value) on eligible domestic retail spends (excludes forex) | — | None | Calculating... | Under cap |
| RuPay UPI & Retail Spends (₹500+) | ₹6,000 | 5% Scapia Coins (1.0% effective reward value) on eligible RuPay UPI, online, and offline transactions of ₹500 and above | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend ₹20,000 in a billing cycle to unlock unlimited complimentary domestic airport lounge access and dining/shopping Airport Privileges across 100+ domestic airports for the subsequent billing cycle.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fees: Lifetime Free (₹0 Joining Fee, ₹0 Annual Fee). Forex Markup: 0.00% (forex spends earn 0 Scapia Coins). Rewards: 5 Scapia Coins = ₹1.00 (₹0.20/coin). 20% Coins on Scapia travel bookings (4% return); 10% Coins on domestic retail (2% return); 5% Coins on RuPay UPI, online, and offline merchant spends of ₹500+ (1% return). Exclusions: Fuel, rent, wallet loads, education, government taxes, cash advances, EMIs, and international spends. Expiry: 36 months from accrual. Lounge Access: Unlimited domestic airport lounge access and alternative Airport Privileges across 100+ domestic airports upon spending ₹20,000 in the preceding billing cycle. International Lounges: Zero complimentary access.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Scapia Axis Bank Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Axis Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
ixigo AU and Scapia both offer lifetime-free zero-forex spending, but their travel benefits now look very different. We compare ixigo's ₹50,000 quarterly lounge threshold with Scapia's ₹20,000 monthly requirement, plus train, flight and reward value.
MakeMyTrip ICICI drops its 0.99% forex markup to zero from 10 November 2026. But international transactions outside MakeMyTrip will stop earning 1% myCash, and new myCash gets a 24-month expiry.
IDFC FIRST Bank's zero-forex move has removed one of Scapia's biggest differentiators. Scapia still has a case, but mainly for its domestic travel rewards, UPI earning and airport privileges — not for foreign spending alone.
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