Axis Bank Burgundy Private vs Federal Scapia Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  Axis Bank Burgundy Private Credit CardAxis Bank5 recent changes → |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 6% on most spends | 2% on most spends; 4% only at partner merchants | |
| UPI payments (scan and pay) | Earns nothing | 2% | |
| Online shopping | 6% | 2% | |
| Dining and food delivery | 6% | 2% | |
| Groceries | 6% | 2% | |
| Travel: flights, hotels, trains | 6% | 2%; 4% only at Scapia app | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | Earns nothing | Earns nothing | |
| Rent | 6% | Earns nothing | |
| Insurance premiums | 6% | Earns nothing | |
| School and college fees | 6% | 2% | |
| Wallet top-ups | 6% | 2% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 6% | 2% | |
| Everything else | 6% | 2% | |
| Card identity | |||
| Card type | Rewards | Travel | |
| Networksame | Visa | Visa | |
| Card tier | Super premium | Mid | |
| Fees | |||
| Joining fee | ₹1,00,000 + GST | Free | |
| Annual fee | ₹1,00,000 + GST | Free | |
| Lifetime free | No | Yes | |
| Eligibility | |||
| Employment type | - | BOTH | |
| Min credit score | - | 730 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Lounge access | |||
| Domestic lounge visits | - | 0 | |
| Domestic lounge unlimitedsame | Yes | Yes | |
| International lounge visits | - | 0 | |
| International lounge unlimited | Yes | No | |
| Guest lounge visits | 12 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Unlimited domestic and international airport lounge access for primary and add-on cardholders, plus 12 complimentary guest visits and 8 airport meet-and-assist services a year. From 28 Aug 2026 Priority Pass no longer opens Indian domestic lounges, show | 20,000+ Per Month | |
| Forex and international | |||
| Forex markupsame | None | None | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 1.5% | 3.75% | |
| Interest rate (annual) | 18% | 45% | |
| Redemption | |||
| Redemption method | - | Vouchers, Air miles | |
| Page content | |||
| Eligibility | - | Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student | |
| Documents needed | - | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹14,400
- Fee a year
- - ₹1,18,000
- You keep
- - ₹1,03,600
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, Federal Scapia Credit card comes out ₹1,08,400 a year ahead of Axis Bank Burgundy Private Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 0% markup, most cards add 3.5%
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
Watch-Outs
- Skip it if you spend less than ₹1,64,000 a month: below that the ₹1,18,000 fee costs more than the rewards
- Skip it if most of your spending is fuel, utility bills or government payments: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you sometimes pay only the minimum due: interest of 1.5% a month (18% a year) outweighs any reward
- Coins redeem only for travel in the Scapia app
- No coins on fuel, insurance, utilities or rent
- Lounge access needs Rs 20,000 spend each month
Card data sourced via CardAdvisor.in (Axis Bank Burgundy Private Credit Card, Federal Scapia Credit card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Axis Bank Burgundy Private Credit Card or Federal Scapia Credit card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Axis Bank Burgundy Private Credit Card: ₹1,00,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Axis Bank Burgundy Private Credit Card has the lowest forex markup. Axis Bank Burgundy Private Credit Card: 0%; Federal Scapia Credit card: 0%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Axis Bank Burgundy Private Credit Card 6%, Federal Scapia Credit card 2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
Axis Bank Burgundy Private Credit Card: unlimited domestic lounge visits; Federal Scapia Credit card: unlimited domestic lounge visits. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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