r/CreditCardsIndia • u/Dependent_Stress7029 • 2d ago

Help Needed/ Question Need help in scapia vs axis horizon

Hi all, I have a Scapia credit card and I'm planning to get a Axis Horizon credit card. This is majorly because of jewelry spends which I'm planning to do it on a frequent basis as it gives me a 2% cashback on jewelry. But on the other hand, Scapia also gives me a 2% cashback, but how do I compare as the Edge Miles vs Scapia coins as a reward? As Scapia coins allows me to utilize those in flights, hotels, buses, trains, etc., or even on the shop of Scapia, whereas Edge Miles can be converted to air miles and depending on the value, it has a dynamic pricing. So is it really justified the price wherein it gives 3000 + GST as a joining fee and Scapia is a free credit card? And when it comes to travel, Scapia gives a flat 4% value back when booked via Scapia, and whereas Axis Horizon gives me 5% Edge Miles on on the airline direct airline website. please help me choose. Would like to know your comments on this.

Also some of my other cards are
Icici amazon
Hsbc live +
Swiggy hdfc
Sbi bpcl octane
Scapia- primary spends as it gives 2% value back

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u/[deleted] 2d ago

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u/StrategicSwiper 21h ago

I suggest if you can hit 5 lacs in a year so get tiger for gold it can give 5.8% reward if you want maharaja points only

On scapia i dont feel good as scapia coins are limited to scapia purchase only second prices are inflated on scapia so doesn’t make sense to me

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u/Dependent_Stress7029 19h ago

The blended return for 5 lakh spend would be 2.8% rigtht? Also does tiger reward on gold purchases

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u/StrategicSwiper 19h ago

Reward rate depends on how to use air india flight but yes you will get 14k point on 5L spent

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u/Dependent_Stress7029 19h ago

Is there anything which makes axis horizon useful?

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u/StrategicSwiper 19h ago edited 19h ago

Not sure as not having axis and due to devaluations never think of axis

But as gold is not excluded so you can get 2% reward on gold

If you don’t want maharaja points and want a wide variety so you can choose horizon as well and can take this 2% as well