Hello Cashback vs Scapia Axis Bank
Scapia Axis Bank has the lower annual fee (Free against ₹1,000). Hello Cashback waives its fee on ₹2,00,000 of spend a year; Scapia Axis Bank has no spend waiver. Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | Hello CashbackIDFC FIRST0 wins | Scapia Axis BankAxis2 wins · ahead |
|---|---|---|
| Annual fee | ₹1,000 | LowerFree |
| Joining fee | Free | Free |
| Fee waiver | Waived on ₹2,00,000 spend a year | No fee to waive |
| Rewards | Up to 5% cashback across categories; 1% cashback on UPI spends via the bank app | 20% rewards on travel bookings on the Scapia app; 10% rewards on daily spends; zero forex markup; unlimited domestic lounge access |
| Airport lounges | None listed | Moreunlimited domestic |
| Forex markup | 0% plus GST | 0% plus GST |
| Points | Cashback or not listed | Scapia Coins, about ₹0.2 a point |
| Published minimum income and age | age 18 to 80 | age 18 to 70 |
| Network | Not listed | Mastercard / RuPay |
| Apply | ApplyAffiliate link | ApplyAffiliate link |
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 ₹1,000). Hello Cashback waives it on ₹2,00,000 of spend a year.
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