Side-by-side · honest numbers
Axis Bank ACE Credit Card vs Scapia Federal Credit Card
Honest side-by-side comparison of Axis Bank ACE Credit Card, Scapia Federal Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank ACE Credit Card
Axis Bank
Scapia Federal Credit Card
Federal Bank
Your adjusted comparison
| Feature | Axis Bank ACE Credit Card Axis Bank | Scapia Federal Credit Card Federal Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,759/yr | ₹6,480/yr |
| Dining & delivery | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo | — |
| Travel | — | ₹3,000 × 4% = ₹120/mo (₹1,440/yr) |
| Utilities & bills | ₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo | — |
| Top reward rate | 5% | 10% Scapia coins |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% Scapia coins on RuPay eligible spends of ₹500+ · cap Min ₹500 RuPay txn |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | Fuel surcharge categories · Wallet load · Rent · EMI |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹8,370/yr combined NAV (₹1,890 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/axis-ace-vs-scapia-federalReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Scapia Federal Credit Card leads Axis Bank ACE Credit Card by about ₹721/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis Bank ACE Credit Card Axis Bank | Scapia Federal Credit Card Federal Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,759/yr | ₹6,480/yr |
| Dining & delivery | ₹3,500 × 4% = ₹140/mo (₹1,680/yr) · issuer max ₹500/mo | — |
| Travel | — | ₹3,000 × 4% = ₹120/mo (₹1,440/yr) |
| Utilities & bills | ₹1,925.00 × 5% = ₹96.25/mo (₹1,155/yr) · issuer max ₹500/mo | — |
| Top reward rate | 5% | 10% Scapia coins |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% Scapia coins on RuPay eligible spends of ₹500+ · cap Min ₹500 RuPay txn |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | Fuel surcharge categories · Wallet load · Rent · EMI |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Scapia Federal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Scapia Federal Credit Card leads with an estimated ₹6,480/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank ACE Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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