Saifu
Saifu
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Scapia Axis Bank vs HSBC Premier

Reviewed by Chandan Kumar Dash

Scapia Axis Bank has the lower annual fee (Free against ₹20,000). For spends abroad, Scapia Axis Bank charges the lower forex markup (0% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

FeatureScapia Axis BankAxis3 wins · aheadHSBC PremierHSBC India0 wins
Annual feeLowerFree₹20,000
Joining feeLowerFree₹12,000
Fee waiverNo fee to waiveNo spend waiver
Rewards20% rewards on travel bookings on the Scapia app; 10% rewards on daily spends; zero forex markup; unlimited domestic lounge access3 reward points per INR 100 spent; available to HSBC Premier customers
Airport loungesunlimited domesticunlimited domestic, unlimited international
Forex markupLower0% plus GST0.99% plus GST
PointsScapia Coins, about ₹0.2 a pointHSBC Reward Points, about ₹1 a point
Published minimum income and ageage 18 to 70See bank page
NetworkMastercard / RuPayMastercard
ApplyApplyAffiliate linkBank page

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Common questions

Which has the lower annual fee?

Scapia Axis Bank (Free against ₹20,000).

Add a third cardScapia Axis BankHSBC Premier

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