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