Scapia Axis Bank Credit Card: rewards, caps and exclusions

What it earns

≈ marks a rate paid in points, valued at ₹0.2 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Wallet loads
• Education fees
• Fuel
• Government payments
• EMI conversions
• Cash withdrawals and fees
• Rent
• Insurance premiums
• Utility bills
• Gift cards
• Tolls

What costs extra

Worse than earning nothing: Axis Bank charges a fee for these.

• 1% on Rent Transaction fee, plus GST
• 1% on Wallet Load Transaction fee, plus GST
• 1% on Fuel Transaction fee, plus GST
• 1% on Education Transaction fee (third-party apps only), plus GST
• 1% on Utility Transaction fee, plus GST
• 1% on Online Skill-Based Gaming Transaction fee, plus GST

Fees

• Annual fee: none
• Joining fee: none

Where this comes from

Transcribed from Axis Bank's own documents and checked against them on 9 October 2026:

• product page, axis.bank.in
• Scapia Axis Bank member T&C, axis.bank.in (PDF)
• Key Fact Sheet updated 17 Sep 2026, axis.bank.in (PDF)
• MITC, axis.bank.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with Axis Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your Axis Bank transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works

Other Axis Bank cards

Every card we have rules for