Axis Reserve vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
Winner
Axis Reserve
Axis Bank
Super PremiumVS
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹50K vs FREE
Effective Rate
(cash value)
6.3% vs 2.0%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | Axis Reserve | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹50K | FREE |
| Annual Fee | ₹50K | FREE |
| Fee Waiver | None | None |
| Forex Markup | 1.5% | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 6.25% | 2% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | - | ₹4.0L |
Axis Reserve is Best For
Ultra HNI invite-only customers
Watch Out
- • ₹50K annual fee
- • Invite-only
Scapia Federal Credit Card is Best For
Best zero forex + zero fee travel card
Watch Out
- • No international lounge access
- • No rewards on international spends
Our Verdict
Based on overall features and value,
Axis Reserve wins!
Score: 111vsScore: 73
