Side-by-side · honest numbers
Axis Bank Flipkart Credit Card vs Scapia Federal Credit Card
Honest side-by-side comparison of Axis Bank Flipkart 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
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank Flipkart Credit Card
Axis Bank
Scapia Federal Credit Card
Federal Bank
Your adjusted comparison
| Feature | Axis Bank Flipkart Credit Card Axis Bank | Scapia Federal Credit Card Federal Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,50,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,142/yr | ₹6,480/yr |
| Online shopping | ₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333/mo | — |
| Dining & delivery | ₹1,050 × 4% = ₹42/mo (₹504/yr) | — |
| Travel | ₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333/mo | ₹3,000 × 4% = ₹120/mo (₹1,440/yr) |
| Top reward rate | 5% | 10% Scapia coins |
| Primary reward cap | ₹1,333 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% Scapia coins on RuPay eligible spends of ₹500+ · cap Min ₹500 RuPay txn |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | Fuel surcharge categories · Wallet load · Rent · EMI |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Stack mode (hold both)
Cap-aware split: ~₹12,750/yr combined NAV (₹6,270 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/axis-flipkart-vs-scapia-federalReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Scapia Federal Credit Card leads Axis Bank Flipkart Credit Card by about ₹1,338/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 Flipkart Credit Card Axis Bank | Scapia Federal Credit Card Federal Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹3,50,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹5,142/yr | ₹6,480/yr |
| Online shopping | ₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333/mo | — |
| Dining & delivery | ₹1,050 × 4% = ₹42/mo (₹504/yr) | — |
| Travel | ₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333/mo | ₹3,000 × 4% = ₹120/mo (₹1,440/yr) |
| Top reward rate | 5% | 10% Scapia coins |
| Primary reward cap | ₹1,333 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% Scapia coins on RuPay eligible spends of ₹500+ · cap Min ₹500 RuPay txn |
| Key exclusions | EMI · Fuel · Rent · Wallet · Insurance | Fuel surcharge categories · Wallet load · Rent · EMI |
| Bonuses | ||
| Signup bonus | ₹500 | — |
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?
- Scapia Federal 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.
More Axis Bank Flipkart Credit Card comparisons
- Axis Bank Flipkart Credit Card vs 811 Dream Different Credit Card
- Axis Bank Flipkart Credit Card vs AU Altura Credit Card
- Axis Bank Flipkart Credit Card vs AU Altura+ Credit Card
- Axis Bank Flipkart Credit Card vs AU LIT Credit Card
- Axis Bank Flipkart Credit Card vs AU Zenith Credit Card
- Axis Bank Flipkart Credit Card vs American Express Gold Card
- Axis Bank Flipkart Credit Card vs American Express Platinum Travel Card
- Axis Bank Flipkart Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Flipkart Credit Card vs Amex Membership Rewards CC
- Axis Bank Flipkart Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Flipkart Credit Card vs Axis Bank Atlas Credit Card