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Axis Bank Horizon 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.

Axis Bank Horizon Credit Card versus Federal Scapia Credit card compared
FeatureAxis Bank Horizon Credit CardAxis Bank Horizon Credit CardAxis Bank5 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards2% on most spends; 5% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shoppingsame2%2%
Dining and food deliverysame2%2%
Groceriessame2%2%
Travel: flights, hotels, trains2%; 5% only at Axis Travel Edge & airlines2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feesEarns nothing2%
Wallet top-upsEarns nothing2%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencysame2%2%
Everything elsesame2%2%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹3,000 + GSTFree
Annual fee₹3,000 + GSTFree
Lifetime freeNoYes
Eligibility
Min age18 years-
Max age70 years-
Employment typesameBOTHBOTH
Min credit score-730
Rewards
Reward typeAir milesReward points
Point value₹1₹0
Fuel surcharge
Fuel waiver cap₹400-
Lounge access
Domestic lounge visits320
Domestic lounge unlimitedNoYes
International lounge visits80
Lounge conditionUp to 32 domestic (6-8 per quarter) and 8 international airport lounge visits a year20,000+ Per Month
Forex and international
Forex markup3.5%None
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%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 neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Axis Bank Horizon Credit Card
Rewards a year
₹4,800
Fee a year
- ₹3,540
You keep
₹1,260
Federal Scapia Credit card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend, Federal Scapia Credit card comes out ₹3,540 a year ahead of Axis Bank Horizon 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

Axis Bank Horizon Credit Card
  • Frequent domestic flyers
  • Travellers who book direct with airlines
  • People who want lots of lounge visits
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

Axis Bank Horizon Credit Card
  • Fee is never waived
  • 3.5% forex markup is high for a travel card
  • Lounge count depends on Visa or Mastercard variant
Federal Scapia Credit card
  • 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 Horizon 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 Horizon Credit Card or Federal Scapia Credit card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Axis Bank Horizon Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; Axis Bank Horizon Credit Card: 3.5%. 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 Horizon Credit Card 2%, 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 Horizon Credit Card: 32 domestic lounge visits a year; 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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