Equitas Bank PowerMiles vs Federal Scapia Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  Equitas Bank PowerMiles Credit CardEquitas Small Finance Bank |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | Rewards not published | 2% on most spends; 4% only at partner merchants | |
| UPI payments (scan and pay) | Earns nothing | 2% | |
| Online shopping | Not stated | 2% | |
| Dining and food delivery | Not stated | 2% | |
| Groceries | Not stated | 2% | |
| Travel: flights, hotels, trains | Not stated | 2%; 4% only at Scapia app | |
| Fuel | Not stated | Earns nothing | |
| Bills and recharges | Not stated | Earns nothing | |
| Rent | Not stated | Earns nothing | |
| Insurance premiums | Not stated | Earns nothing | |
| School and college fees | Not stated | 2% | |
| Wallet top-ups | Not stated | 2% | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | Not stated | 2% | |
| Everything else | Not stated | 2% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Network | - | Visa | |
| Card tier | - | Mid | |
| Fees | |||
| Joining fee | Rs 5,000 | Free | |
| Annual fee | Rs 5,000 | Free | |
| Lifetime free | No | Yes | |
| Fee waived at | ₹4,80,000 | - | |
| Eligibility | |||
| Min age | 22 years | - | |
| Max age | 60 years | - | |
| Employment type | - | BOTH | |
| Min monthly salary | ₹1,50,000 | - | |
| Min credit score | - | 730 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | - | ₹0 | |
| Lounge access | |||
| Domestic lounge visits | 8 | 0 | |
| Domestic lounge unlimited | No | Yes | |
| International lounge visits | 4 | 0 | |
| Lounge condition | - | 20,000+ Per Month | |
| Forex and international | |||
| Forex markup | 2% | None | |
| UPI rewards | |||
| Works on UPI | - | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | - | 3.75% | |
| Interest rate (annual) | - | 45% | |
| Redemption | |||
| Redemption method | - | Vouchers, Air miles | |
| Page content | |||
| Eligibility | - | Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student | |
| Documents needed | - | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Best For
- People who travel abroad a few times a year
- Frequent flyers who want lounges without a spend target
- UPI users who want a travel card
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
Watch-Outs
- ₹5,000 fee is steep for an entry into travel cards
- Fee waiver needs Rs 4.8 lakh of yearly spend
- Flat 3 points per Rs 100 with no boosted categories
- Coins redeem only for travel in the Scapia app
- No coins on fuel, insurance, utilities or rent
- Lounge access needs Rs 20,000 spend each month
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Equitas Bank PowerMiles Credit Card or Federal Scapia Credit card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Equitas Bank PowerMiles Credit Card: ₹5,000. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; Equitas Bank PowerMiles Credit Card: 2%. The markup is charged on every foreign-currency transaction, before GST.
Which gives airport lounge access?
Equitas Bank PowerMiles Credit Card: 8 domestic lounge visits a year; Federal Scapia Credit card: unlimited domestic lounge visits. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
Other Comparisons
- Equitas Bank PowerMiles Credit Card vs IDFC FIRST Millennia Credit CardSide by side →
- Equitas Bank PowerMiles Credit Card vs SBI Card MILES PRIMESide by side →
- Equitas Bank PowerMiles Credit Card vs SBI Flipkart Credit CardSide by side →
- Federal Scapia Credit card vs IDFC FIRST Millennia Credit CardSide by side →
- Federal Scapia Credit card vs SBI Card MILES PRIMESide by side →
- Federal Scapia Credit card vs SBI Flipkart Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹5,000 a Year in India (2026)Credit cards with an annual fee of ₹5,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →
