Miles & More Axis Bank World 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 |  Miles & More Axis Bank World Credit CardAxis Bank5 recent changes → |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 2% on most spends | 2% on most spends; 4% only at partner merchants | |
| UPI payments (scan and pay) | Earns nothing | 2% | |
| Online shoppingsame | 2% | 2% | |
| Dining and food deliverysame | 2% | 2% | |
| Groceriessame | 2% | 2% | |
| Travel: flights, hotels, trains | 2% | 2%; 4% only at Scapia app | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | Earns nothing | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college feessame | 2% | 2% | |
| Wallet top-ups | Earns nothing | 2% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currencysame | 2% | 2% | |
| Everything elsesame | 2% | 2% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Network | Mastercard | Visa | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹3,500 + GST | Free | |
| Annual fee | ₹3,500 + GST | Free | |
| Lifetime free | No | Yes | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 70 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min credit score | - | 730 | |
| Rewards | |||
| Reward type | Air miles | Reward points | |
| Point value | ₹1 | ₹0 | |
| Lounge access | |||
| Domestic lounge visits | 16 | 0 | |
| Domestic lounge unlimited | No | Yes | |
| International lounge visits | 2 | 0 | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | 16 complimentary domestic airport lounge visits a year (4 per quarter), subject to a spend criterion Axis does not publish, plus 2 international lounge visits a year via the Mastercard / Priority Pass programme | 20,000+ Per Month | |
| Forex and international | |||
| Forex markup | 3.5% | None | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 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 neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | 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
- ₹4,800
- Fee a year
- - ₹4,130
- You keep
- ₹670
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, Federal Scapia Credit card comes out ₹4,130 a year ahead of Miles & More Axis Bank World 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
- Flyers: 18 airport lounge visits a year
- 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 ₹17,500 a month: below that the ₹4,130 fee costs more than the rewards
- Skip it if most of your spending is fuel, utility bills, rent or insurance: 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 often pay in foreign currency: 3.5% is added to every foreign spend
- 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 (Miles & More Axis Bank World 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, Miles & More Axis Bank World Credit Card or Federal Scapia Credit card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Miles & More Axis Bank World Credit Card: ₹3,500. 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%; Miles & More Axis Bank World 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: Miles & More Axis Bank World 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?
Miles & More Axis Bank World Credit Card: 16 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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Guides in Plain Words
Short reads that explain how it works before you decide.
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