Axis Atlas vs Federal Bank Scapia: Rewards, Fees & Benefits Compared 2025

Comparison Summary

The Axis Bank Atlas and Federal Bank Scapia credit cards cater to different traveler profiles with distinct benefits. Axis Atlas suits frequent international travelers seeking flexible EDGE Miles redeemable across multiple airline and hotel loyalty programs, tiered lounge access, and milestone rewards, albeit with a ₹5,000 annual fee. Federal Bank Scapia appeals to budget-conscious users offering a lifetime free card with zero forex markup, unlimited domestic lounge access activated on monthly spends, and simple cashback-like rewards via Scapia Coins redeemable for travel. Both cards provide strong travel perks but prioritize different needs — premium tiered benefits versus straightforward cashback and no fees. Prospective users should assess their travel frequency, spending habits, and credit eligibility before applying to choose the right card that maximizes rewards and suits their lifestyle.

Feature	Axis Atlas Credit Card	Federal Bank Scapia Card
Card Image	Axis Bank	Federal Bank
Card Network	Mastercard, Visa	RuPay, Visa
USP	The Axis Atlas Credit Card is a premium travel rewards card designed for frequent flyers and luxury travelers, offering high EDGE Miles on airline and hotel bookings, exclusive lounge access, and milestone bonuses for big spenders. Enjoy seamless travel perks, rewarding redemptions, and global acceptance.	The Federal Bank Scapia Card is a lifetime-free credit card perfect for frequent travelers and online shoppers, offering unlimited domestic lounge access, zero forex markup, and high-value Scapia Coins rewards on all spends. It delivers exceptional travel benefits and seamless digital management through the Scapia app.
Annual Fee	5000 - +GST	N/A
Joining Fee	5000 - +GST	N/A
Welcome Benefits	2,500 EDGE Miles credited on spending minimum 3 transactions within 37 days of card issuance, which can be redeemed for travel stays and flights worth roughly ₹5,000.	N/A
Lounge Access	Domestic: 2 per quarter \| International: 1 per quarter	Domestic: Unlimited On monthly spends of ₹10,000+ for Visa and ₹15,000+ RuPay variant
Reward Rate	5 EDGE Miles per ₹100 on travel bookings via Axis Bank Travel Edge up to ₹2 lakh monthly and 2 EDGE Miles per ₹100 on all other spends.	Earn 10% Scapia Coins (equivalent to 2% value-back approximately) on all online and offline purchase transactions. Additional 20% value-back on travel bookings made through the Scapia app. No capping on Scapia Coins earned.
Interest Rate	3.49% per month (around 42% per annum)	Interest rate is 45% per annum.
Best For	Lounge Access, Travel	Forex Spends, Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Fees & Charges: Axis Bank Atlas vs Federal Bank Scapia Credit Card

Fee Type	Amount	Notes
Joining Fee	₹5,000 + GST	One-time fee at card issuance
Annual/Renewal Fee	₹5,000 + GST	Charged every year, no fee waiver
Add-on Card Fee	Nil	Add-on cards free
Foreign Currency Markup	3.5% of transaction value	Applicable on international transactions
Cash Withdrawal Fees	2.5% of amount (Min. ₹500)	Applies on cash advances
Late Payment Charges	As per bank policy	Charged on delayed payments
Fuel Surcharge	1% on fuel spend (₹400-₹4,000)	Refunded on eligible fuel expenses

The Axis Bank Atlas Credit Card charges a joining fee and annual renewal fee of ₹5,000 plus GST each, with no available waiver on the fees. Add-on cards are provided free of cost. The card applies a forex markup of 3.5% on all international transactions and charges 2.5% cash withdrawal fees (minimum ₹500). A fuel surcharge of 1% is levied on fuel transactions but is refunded for spends between ₹400 and ₹4,000 per statement cycle. Late payment charges and other standard fees apply as per the bank’s policies. Overall, the Axis Atlas card positions itself as a premium travel card with fees aligned to its tiered benefits.

Welcome Benefits & Eligibility: Axis Bank Atlas vs Federal Bank Scapia Credit Cards

Feature	Axis Bank Atlas	Federal Bank Scapia
Welcome Benefit	2,500 EDGE Miles after first transaction within 37 days of issuance	Scapia Coins worth 4% cashback on travel bookings and 2% on other spends (no fixed sign-up bonus)
Eligibility Criteria	Age 18-70; Salaried ₹12L+ annual income; Self-employed ₹15L+ annual income; Resident of India	Age 21-65; No specific minimum income publicly stated; Indian resident
Application Process	Online application with income and KYC verification	Online application via Federal Bank portal with KYC and basic income proof required

The Axis Bank Atlas Credit Card awards 2,500 EDGE Miles as a welcome gift upon completion of the first transaction within 37 days of card issuance. To qualify, applicants must be between 18 and 70 years old, with a minimum income of ₹12 lakh annually for salaried professionals and ₹15 lakh for self-employed individuals, and must be Indian residents. The application process is seamless via the bank’s website with income proof and KYC document submission.

The Federal Bank Scapia Credit Card does not offer a fixed sign-up bonus but provides Scapia Coins worth 4% cashback on travel bookings and 2% on other spends, which can be redeemed for travel and lifestyle rewards through its app. Eligibility is for individuals aged 21 to 65 years, with no publicly specified income minimums. Applications are done online requiring KYC and basic income verification.

Cashback & Rewards Structure: Axis Bank Atlas vs Federal Bank Scapia Credit Cards

Card	Base Cashback/Reward Rate	Category-wise Accelerated Rewards	Partner Deals/Redemption Options	Reward Caps/Restrictions	Accrual Method
Axis Bank Atlas	2 EDGE Miles per ₹100 on regular spends (4-8% reward rate approx.)	5 EDGE Miles per ₹100 on Axis Travel Edge, direct hotels & airline bookings (up to ₹2 lakh/month)	EDGE Miles transferable to 10+ airline/hotel partners; 1 EDGE Mile = 2 partner miles	Annual milestone EDGE Miles bonus based on spend tiers; No rewards on fuel, insurance, govt sectors etc.	EDGE Miles credited monthly
Federal Bank Scapia	Equivalent 2% cashback (Scapia Coins) on general spends	4% cashback (Scapia Coins) on travel bookings made via app	Scapia Coins redeemable for flights, hotels, and travel experiences via Scapia platform	No cap on cashback; redemption only via Scapia travel app	Cashback credited as Scapia Coins monthly

The Axis Bank Atlas Credit Card rewards users with 2 EDGE Miles per ₹100 spent on most transactions, roughly translating to a 4-8% reward rate depending on redemption options. It offers accelerated rewards of 5 EDGE Miles per ₹100 for spends made through Axis Travel Edge, direct airlines, and hotel bookings, up to ₹2 lakh monthly. EDGE Miles can be transferred to more than 10 airline and hotel loyalty programs at a rate of 1 EDGE Mile to 2 partner miles. The card provides additional milestone EDGE Miles bonuses annually according to spend tiers but excludes rewards on fuel, insurance, government, and wallet transactions. EDGE Miles are credited to the account monthly.

The Federal Bank Scapia card earns cashback in the form of Scapia Coins, providing about 2% value back on general spends and 4% on travel bookings made through the Scapia app. These coins can be redeemed exclusively for flights, hotels, and travel experiences via the Scapia platform, with no caps on the cashback earned. Cashback is credited monthly as Scapia Coins, emphasizing a straightforward travel cashback approach without complex reward conversions.

Cashback/Rewards Redemption: Axis Bank Atlas Credit Card

The Axis Bank Atlas Credit Card rewards cashback through EDGE Miles, which accrue monthly after eligible transactions. These EDGE Miles cannot be redeemed as direct cashback or statement credits but can be used on the Axis Bank Travel Edge portal for booking flights, hotels, and experiences. Alternatively, miles can be transferred to more than 10 airline and hotel loyalty programs, usually at a conversion ratio of 1 EDGE Mile to 2 partner miles, providing excellent value for frequent flyers.

A nominal redemption fee of ₹99 applies to every EDGE Miles redemption transaction on the travel portal. Redemption has minimum thresholds, such as 300 EDGE Points. Certain transactions like fuel, government payments, insurance, and wallet reloads do not earn rewards. Cardholders must maintain a good account standing to avail redemptions. Points validity and other terms are subject to Axis Bank’s program rules and may be modified.

This redemption framework positions Axis Atlas miles as valuable travel currency rather than straightforward cashback, rewarding frequent travelers who maximize transfers and travel bookings.

Lounge Access: Axis Bank Atlas vs Federal Bank Scapia Credit Cards

The Axis Bank Atlas Credit Card offers a tier-based lounge access system with cardholders receiving between 4 to 12 international and 8 to 18 domestic complimentary lounge visits per year depending on their annual spending tier (Silver, Gold, or Platinum). There is no minimum spend required to access lounges once the cardholder’s tier is established.

The Federal Bank Scapia Credit Card provides unlimited domestic airport lounge access, but this benefit is conditional upon meeting a minimum monthly spend of ₹10,000 for Visa Variants and ₹10,000 for RuPay variant cardholder . It does not include international lounge access. This makes it suitable for cardholders looking for extensive domestic travel perks without an annual fee but with a spending requirement for lounge privileges.

Both cards cater to different traveler profiles: Axis Atlas supports frequent international travel with tiered privileges, while Scapia is focused more on domestic lounge benefits for regular monthly users.

Frequently Asked Questions (FAQ’s)

Is the Federal Bank Scapia credit card lifetime free?

Yes, the Scapia Federal Bank Credit Card is a lifetime free card with no joining or annual fees, making it an attractive option for cost-conscious travelers.

What are the cashback/reward rates on the Scapia card?

The card offers 4% value-back in Scapia Coins on travel bookings made through the Scapia app and 2% value-back on all other eligible spends. There is no cap on the Scapia Coins earned.

Does the Scapia card offer airport lounge access?

Yes, it provides unlimited domestic airport lounge access with complimentary dining, shopping, or spa services. To activate lounge access, cardholders must meet a minimum monthly spend of ₹10,000 (Visa variant) or ₹15,000 (RuPay variant).

Are there any fees for foreign currency transactions on the Scapia card?

No, the Scapia card has zero forex markup fees, meaning no additional charges are levied on international transactions, making it ideal for frequent international travelers.

How can I redeem rewards on the Axis Bank Atlas card?

Rewards are credited as EDGE Miles, which can be redeemed through the Axis Travel Edge portal for flights and hotels or transferred to over 10 airline and hotel loyalty programs. Miles cannot be redeemed as cashback or statement credit, and a ₹99 fee applies per redemption transaction.

Conclusion: Final Thoughts and Recommendations

Choosing between the Axis Bank Atlas and Federal Bank Scapia credit cards depends largely on individual travel habits, spending patterns, and preference for simplicity versus premium travel benefits. The Atlas card is best suited for frequent international travelers who value flexible EDGE Miles redeemable across multiple airline and hotel programs, tier-based lounge access, and milestone rewards despite a higher fee structure. In contrast, the Scapia card appeals to budget-conscious users looking for a lifetime free card with zero forex markup, unlimited domestic lounge access (with a spend condition), and straightforward cashback rewards via Scapia Coins redeemable on a wide travel platform.

Before applying, it is crucial to check the credit score to ensure eligibility and avoid unnecessary rejections. Consider personal spending behaviors and travel needs — if prioritizing flexible, high-value travel rewards and tiered privileges, Axis Atlas is recommended. If looking for no fees, simple cashback, and relevant domestic travel perks, Federal Bank Scapia is preferred.