Side-by-side · honest numbers
Axis Bank Airtel Credit Card vs HDFC Bharat Cashback Credit Card vs Scapia Federal Credit Card
Honest side-by-side comparison of Axis Bank Airtel Credit Card, HDFC Bharat Cashback 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 Airtel Credit Card
Axis Bank
HDFC Bharat Cashback Credit Card
HDFC Bank
Scapia Federal Credit Card
Federal Bank
Your adjusted comparison
| Feature | Axis Bank Airtel Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | Scapia Federal Credit Card Federal Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹50,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,468/yr | ₹3,240/yr | ₹6,480/yr |
| Groceries (offline) | — | ₹5,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Dining & delivery | ₹1,050 × 10% = ₹105/mo (₹1,260/yr) · issuer max ₹250/mo | — | — |
| Fuel | — | ₹3,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Travel | — | — | ₹3,000 × 4% = ₹120/mo (₹1,440/yr) |
| Utilities & bills | ₹1,050 × 25% = ₹250/mo (₹3,000/yr) · cap reached | ₹3,500 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Top reward rate | 25% | 5% cashback | 10% Scapia coins |
| Primary reward cap | ₹250 rewards/mo cap | ₹150 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| UPI rewards | Earns: 1% cashback on eligible UPI payments (RuPay variant) · cap Per Axis MITC | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Earns: 5% Scapia coins on RuPay eligible spends of ₹500+ · cap Min ₹500 RuPay txn |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Rent · Wallet loads · Insurance | Fuel surcharge categories · Wallet load · Rent · EMI |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-airtel-vs-hdfc-bharat-vs-scapia-federalReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Scapia Federal Credit Card ranks first for estimated net annual value — ahead of Axis Bank Airtel Credit Card by about ₹12/yr.
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 Airtel Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | Scapia Federal Credit Card Federal Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹50,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,468/yr | ₹3,240/yr | ₹6,480/yr |
| Groceries (offline) | — | ₹5,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Dining & delivery | ₹1,050 × 10% = ₹105/mo (₹1,260/yr) · issuer max ₹250/mo | — | — |
| Fuel | — | ₹3,000 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Travel | — | — | ₹3,000 × 4% = ₹120/mo (₹1,440/yr) |
| Utilities & bills | ₹1,050 × 25% = ₹250/mo (₹3,000/yr) · cap reached | ₹3,500 × 5% = ₹50/mo (₹600/yr) · cap reached | — |
| Top reward rate | 25% | 5% cashback | 10% Scapia coins |
| Primary reward cap | ₹250 rewards/mo cap | ₹150 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| UPI rewards | Earns: 1% cashback on eligible UPI payments (RuPay variant) · cap Per Axis MITC | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Earns: 5% Scapia coins on RuPay eligible spends of ₹500+ · cap Min ₹500 RuPay txn |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Rent · Wallet loads · Insurance | 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?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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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