Axis Bank ATLAS Credit Card vs Scapia Credit Card
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
Axis Bank
★ 4.8 / 5.0
Axis Bank ATLAS Credit Card
Frequent Travelers & Airline/Hotel Miles Transfers
Federal Bank
★ 4.7 / 5.0
Scapia Credit Card
Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.8 / 5.0
★ 4.7 / 5.0
Annual Fee
₹5,000 + Taxes
Lifetime Free
Fee Waiver Condition
Annual renewal fee offset by 2,500 to 10,000 EDGE Miles based on tier
Lifetime Free credit card with zero joining or renewal fee liabilities
Reward Rate
5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends
20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)
Finance APR
3.6% per month (43.2% per annum)
3.75% per month (45% per annum)
Welcome Offer
5,000 EDGE Miles upon completing 1st transaction within 30 days
Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel
Top Perks
- • 5 EDGE Miles per ₹100 spent on travel bookings (Airlines, Hotels, Travel portals)
- • 2 EDGE Miles per ₹100 spent on all other retail transactions
- • 1:2 transfer ratio for miles (1 EDGE Mile = 2 Partner Miles / Points)
- • 8 complimentary domestic lounge visits/year + 4 international lounge visits/year (Silver tier)
- • 20% Scapia Coins earned on flights and hotel bookings made via Scapia app (4% effective return)
- • 10% Scapia Coins earned on all eligible online and offline retail transactions (2% effective return)
- • 1 Scapia Coin = ₹0.20 redemption value for travel bookings on Scapia app with 100% coin utilization
- • Unlimited domestic airport lounge access across India upon hitting ₹20,000 monthly spend threshold
Best Suited For
Frequent Travelers & Airline/Hotel Miles Transfers
Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access