Equitas Bank Selfe 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 Selfe 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) | Not stated | 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 type | Rewards | Travel | |
| Network | Visa, RuPay | Visa | |
| Card tier | - | Mid | |
| Fees | |||
| Joining fee | Rs 1,000 | Free | |
| Annual fee | Rs 1,000 | Free | |
| Lifetime free | No | Yes | |
| Fee waived at | ₹2,40,000 | - | |
| Eligibility | |||
| Min age | 22 years | - | |
| Max age | 60 years | - | |
| Employment type | - | BOTH | |
| Min monthly salary | ₹50,000 | - | |
| Min credit score | - | 730 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | - | ₹0 | |
| Lounge access | |||
| Domestic lounge visits | - | 0 | |
| Domestic lounge unlimited | No | Yes | |
| International lounge visits | - | 0 | |
| Lounge condition | - | 20,000+ Per Month | |
| Forex and international | |||
| Forex markup | 3.5% | 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
Equitas Bank Selfe Credit Card
- People with two clear spending habits
- OTT subscribers who want a membership included
- First-time card users wanting some choice
Federal Scapia Credit card
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
Watch-Outs
Equitas Bank Selfe Credit Card
- No airport lounge access
- 3.5% forex fee on foreign spends
- Only 2 of 5 categories get the higher rate
Federal Scapia Credit card
- 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 Selfe Credit Card or Federal Scapia Credit card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Equitas Bank Selfe Credit Card: ₹1,000. 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 Selfe Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
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
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