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Axis Bank Primus 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 Primus Credit Card versus Federal Scapia Credit card compared
FeatureAxis Bank Primus Credit CardAxis Bank Primus Credit CardAxis Bank4 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards5% on most spends2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping5%2%
Dining and food delivery5%2%
Groceries5%2%
Travel: flights, hotels, trains5%2%; 4% only at Scapia app
FuelNot statedEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot stated2%
Wallet top-upsNot stated2%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency5%2%
Everything else5%2%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tierSuper premiumMid
Fees
Joining fee₹5,00,000 + GSTFree
Annual fee₹3,00,000 + GSTFree
Lifetime freeNoYes
Eligibility
Employment type-BOTH
Min credit score-730
Rewards
Reward typeAir milesReward points
Point value₹5₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Lounge access
Domestic lounge visits-0
Domestic lounge unlimitedsameYesYes
International lounge visits-0
International lounge unlimitedYesNo
Guest lounge visits12-
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionUnlimited domestic lounge access plus Priority Pass international for primary and add-on cardholders, 12 complimentary guest visits a year, luxury airport transfers and meet-and-greet20,000+ Per Month
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)1%3.75%
Interest rate (annual)12%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
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Axis Bank Primus Credit Card
Rewards a year
₹12,000
Fee a year
- ₹3,54,000
You keep
- ₹3,42,000
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 ₹3,46,800 a year ahead of Axis Bank Primus 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 Primus Credit Card
  • Frequent flyers: unlimited airport lounge visits
  • Spending abroad: 0% markup, most cards add 3.5%
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

Axis Bank Primus Credit Card
  • Skip it if you hope rewards alone will pay the ₹3,54,000 fee: on everyday spend they never do
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
  • Skip it if you sometimes pay only the minimum due: interest of 1% a month (12% a year) outweighs any reward
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 Primus 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 Primus Credit Card or Federal Scapia Credit card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Axis Bank Primus Credit Card: ₹3,00,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Axis Bank Primus Credit Card has the lowest forex markup. Axis Bank Primus 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 Primus Credit Card 5%, 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 Primus 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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