Scapia Axis Bank vs LIC Select
Both have the same annual fee, Free. Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | Scapia Axis BankAxis1 win · ahead | LIC SelectIDFC FIRST0 wins |
|---|---|---|
| Annual fee | Free | Free |
| Joining fee | Free | Free |
| Fee waiver | No fee to waive | No fee to waive |
| Rewards | 20% rewards on travel bookings on the Scapia app; 10% rewards on daily spends; zero forex markup; unlimited domestic lounge access | 10X rewards on LIC premium payments; 5X on essentials and other spends; 1X = 1 reward point per ₹125 |
| Airport lounges | Moreunlimited domestic | 2 a quarter domestic |
| Forex markup | 0% plus GST | 0% plus GST |
| Points | Scapia Coins, about ₹0.2 a point | Reward Points, about ₹0.25 a point |
| Published minimum income and age | age 18 to 70 | Not published |
| Network | Mastercard / RuPay | Not listed |
| Apply | ApplyAffiliate link | Bank 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?
Both charge Free a year.
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