Axis Atlas vs Scapia Federal
Side-by-side comparison of fees, rewards, lounge access and eligibility.
| Feature | Axis Atlas | Scapia Federal |
|---|---|---|
| Bank | Axis Bank | Federal Bank |
| Network | Mastercard | Visa |
| Annual Fee | ₹5,000 | ₹0 |
| Joining Fee | ₹5,000 | ₹0 |
| Reward Type | miles | miles |
| Reward Highlight | EDGE Miles on travel & spends | ScapiaCoins + zero forex |
| Forex Markup | 2% | 0% |
| Lounge | Domestic + international visits | Lounge via Scapia (offer-led) |
| Welcome | Welcome EDGE Miles | Welcome ScapiaCoins |
| Eligibility income | ₹120000 | ₹20000 |
How to use this comparison
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- Which is better: Axis Atlas or Scapia Federal?
- It depends on spending. Axis Atlas suits travel & premium users; Scapia Federal suits travel & zero-forex users. Compare fees, rewards and lounge needs side by side.
- Which has the lower annual fee?
- Scapia Federal is lower at ₹0 vs ₹5000.
- Which is better for forex spends?
- Scapia Federal (0%) beats Axis Atlas (2%).
- Do both offer lounge access?
- Axis Atlas: Domestic + international visits. Scapia Federal: Lounge via Scapia (offer-led).
- Are these offers final?
- No — catalog figures are indicative. Confirm fees, rewards and eligibility on each issuer’s official page.