Zero fee credit card with unlimited lounge access

By Sohail Khan 4 September 2026, 2:43 pm

Synopsis

How about a card that not only offers airport privileges but also earns rewards on every eligible spend and UPI transaction, with zero forex markup on international transactions? This new co-branded credit card offers unlimited domestic lounge access, complimentary dining, among a host of other benefits, and most importantly, it is a lifetime free offering.

Image for Lifetime free travel credit card: Unlimited airport lounge access, 10% rewards on UPI transactions – Is this new co-branded card for you? — A new co-branded credit card is offering unlimited domestic lounge access, complimentary dining, among a host of other benefits, and most importantly, it is a lifetime free offering!

Are you a frequent traveller and looking for a credit card with no annual fee, big rewards and unlimited airport lounge access? How about a card that not only offers airport privileges but also earns rewards on every eligible spend and UPI transaction, with zero forex markup on international transactions?

A new co-branded credit card is offering unlimited domestic lounge access, complimentary dining, among a host of other benefits, and most importantly, it is a lifetime free offering. Axis Bank and Scapia have joined hands and unveiled Scapia Axis Bank Credit Card – a co-branded credit card designed for the new generation of travellers.

With the Scapia Axis Bank Credit Card, users can earn up to 10% rewards on eligible everyday spends and upto 20% rewards in the form of Scapia coins, which can be redeemed for flights, stays, visas, experiences, etc.

What does the Scapia Axis Bank Credit Card offer?

This newly launched lifetime free credit card for travel brings payments, rewards and travel together on one connected app, allowing users to manage and track spends, make bookings and redeem rewards, all through Scapia.

Every eligible spend and UPI transaction earns rewards, which users can redeem across flights, stays, experiences, shopping and more. The Scapia Axis Bank Credit Card also gives dual-network flexibility with availability on both Mastercard and RuPay networks.

ALSO READ | 5 credit cards with complimentary airport lounge access without any minimum spend criteria in 2026: One of them is lifetime free

Moreover, cardholders can earn up to 10% rewards on eligible everyday spends and upto 20% rewards in the form of Scapia Coins on eligible travel bookings.

For international travellers, the card offers zero forex markup and Smart Forex capability.

Scapia Axis Bank Credit Card airport lounge access

This co-branded card offers users a range of airport privileges across lounges, dining and premium retail. The airport privileges include:

Unlimited domestic lounge access, complimentary dining, shopping, or spa by spending Rs 20,000 every preceding month.
Earning Rs 2000 back as Scapia coins on shopping at the airport and paying with the card.

The Rs 20,000 spend threshold can be met through spends on either the Mastercard/RuPay card variant (in case of a single card) or will be considered cumulatively across both variants, where applicable.

Total rewards earned under airport privileges are capped at Rs 2,500 or Rs 5,000 per billing cycle, in accordance with city-wise limits.

Scapia Axis Bank Credit Card features, benefits

Zero forex markup on international transactions.
Airport privileges, including lounge access, dining, and premium retail benefits.
Dual-network flexibility with availability on both Mastercard and RuPay.
No joining fee and no annual fee.
Rewards on every eligible spend and UPI transaction through the Scapia app.
Up to 20% rewards (Scapia Coins) on eligible travel bookings made through the Scapia app.
Up to 10% rewards on eligible everyday spends beyond the Scapia app.
5% rewards on UPI, online, and offline spends of Rs 500 or more (no maximum capping on rewards).
1% fuel surcharge waiver at fuel stations across India.

Rewards can be redeemed for flights, hotels, visas, experiences, shopping, and more.

ALSO READ | 7 debit cards with complimentary airport lounge access in 2026 that you might not be aware of; 3 are without minimum spend criteria

Scapia Axis Bank Credit Card eligibility and documentation

Eligibility for Scapia Axis Bank Credit Card:

-Primary cardholder should be 18-70 years of age

-Applicant should be a resident of India

Documentation for Scapia Axis Bank Credit Card:

-PAN Card photocopy or Form 60

-Proof of income – Latest payslip / Form 16 / IT return

-Resident proof – Driver’s license / Electricity Bill / Landline/telephone bill

Scapia Axis Bank Credit Card fees, charges

It is a lifetime free credit card, with no joining or annual fee.

However, users must know about the following other charges cash withdrawal fee, finance charges, and more.

SERVICE/PRODUCT	CHARGES
Finance charges	3.75% per month (55.55% pa)
Cash withdrawal fee	2.5% of transaction (Rs 500 min)
Fee for cash payment	Rs 175
Late payment charges	If total due less than Rs 500 – NIL If total due between Rs 501-5000 – Rs 500If total due between 5001-10,000 – Rs 750If total due between Rs 10,000-50,000 – Rs 1200If total due over Rs 50,000 – Rs 1300
Over limit charge	2.5% of amount (Rs 500 min)
Education transactions	1% of education payments made via third-party apps
Utility transaction fee	1% fee for applicable for cumulative spends of Rs 25,000 or more within a statement period

Notably, this is Scapia's third banking collaboration, after Federal Bank and Bank of Baroda.

Is this new co-branded card for you?

This credit card is specifically designed for new-age travellers, who are not just spending but are digitally savvy too.

ALSO READ | 5 women’s savings accounts offering up to 6% interest, insurance and lounge access

Arnika Dixit, Group Head – Cards, Payments and Wealth Management, Axis Bank, said, “This collaboration is centred around making travel more intuitive and seamless for customers, with solutions that are better integrated into how they discover, plan, and experience their journeys."

Users can not only earn rewards but also redeem them in the form of flights, hotel stays, visas, experiences, among others. Complementing these benefits are fully digital onboarding and card management through the Scapia app.

"Today, cardholders can link their RuPay Credit Card to their preferred UPI app and make seamless payments. This partnership builds on that convenience by combining premium travel benefits with the reliability and widespread acceptance of the RuPay network," highlighted Sohini Rajola, Executive Director Growth, NPCI.

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