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Google Pay Flex Axis Bank 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.

Google Pay Flex Axis Bank Credit Card versus Federal Scapia Credit card compared
FeatureGoogle Pay Flex Axis Bank Credit CardGoogle Pay Flex Axis Bank 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
Rewards0.4% on most spends2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)0.4%2%
Online shopping0.4%2%
Dining and food delivery0.4%2%
Groceries0.4%2%
Travel: flights, hotels, trains0.4%2%; 4% only at Scapia app
Fuel0.4%Earns nothing
Bills and recharges0.4%Earns 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 currency0.4%2%
Everything else0.4%2%
Card identity
Card typeRewardsTravel
NetworkRuPayVisa
Card tierEntryMid
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Min age18 years-
Max age70 years-
Employment typesameBOTHBOTH
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Lounge access
Domestic lounge visits-0
Domestic lounge unlimitedNoYes
International lounge visits-0
Lounge condition-20,000+ Per Month
Forex and international
Forex markup3.5%None
UPI rewards
Works on UPIsameYesYes
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 / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

Google Pay Flex Axis Bank Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960
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 ₹3,840 a year ahead of Google Pay Flex Axis Bank 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

Google Pay Flex Axis Bank Credit Card
  • Anyone who wants no annual fee, ever
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

Google Pay Flex Axis Bank Credit Card
  • Skip it if most of your spending is rent, insurance, education or wallet top-ups: those earn nothing on this card
  • Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
  • Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% 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 (Google Pay Flex Axis Bank 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, Google Pay Flex Axis Bank Credit Card or Federal Scapia Credit card?

They charge the same annual fee. Google Pay Flex Axis Bank Credit Card: no annual fee; Federal Scapia Credit card: no annual fee.

Which is better for spending abroad?

Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; Google Pay Flex Axis Bank 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: Federal Scapia Credit card 2%, Google Pay Flex Axis Bank Credit Card 0.4%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

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.

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