Federal Scapia Credit card vs HDFC Diners Club Black Metal Edition 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 |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → |  HDFC Diners Club Black Metal EditionHDFC Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 2% on most spends; 4% only at partner merchants | 3.33% base, up to 4.33% on dining; 33.33% only at partner merchants | |
| UPI payments (scan and pay) | 2% | Earns nothing | |
| Online shopping | 2% | 3.33%; 16.5% only at HDFC SmartBuy; 10% only at HDFC SmartBuy brand vouchers | |
| Dining and food delivery | 2% | 4.33% | |
| Groceries | 2% | 3.33% | |
| Travel: flights, hotels, trains | 2%; 4% only at Scapia app | 3.33%; 33.33% only at HDFC SmartBuy | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 3.33% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 3.33% | |
| School and college fees | 2% | 3.33% | |
| Wallet top-ups | 2% | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 2% | 3.33% | |
| Everything else | 2% | 3.33% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Network | Visa | Diners Club | |
| Card tier | Mid | Super premium | |
| Fees | |||
| Joining fee | Free | ₹10,000 + GST | |
| Annual fee | Free | ₹10,000 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹8,00,000 | |
| Eligibility | |||
| Min age | - | 21 years | |
| Max age | - | 60 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹2,50,000 | |
| Min credit score | 730 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹0 | ₹1 | |
| Lounge access | |||
| Domestic lounge visits | 0 | 999 | |
| Domestic lounge unlimitedsame | Yes | Yes | |
| International lounge visits | 0 | 999 | |
| International lounge unlimited | No | Yes | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | 20,000+ Per Month | Unlimited access to 1,300+ lounges worldwide on the Diners Club network, the card itself is the credential, no Priority Pass enrolment | |
| Forex and international | |||
| Forex markup | None | 2% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 1.99% | |
| Interest rate (annual) | 45% | 23.88% | |
| 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 neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | 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 | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
- Rewards a year
- ₹8,604
- Fee a year
- - ₹11,800
- You keep
- - ₹3,196
At this spend, Federal Scapia Credit card comes out ₹7,996 a year ahead of HDFC Diners Club Black Metal Edition. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
- High earners who travel often
- SmartBuy hotel and flight bookers
- Golfers
- Big spenders who can clear Rs 8 lakh a year
Watch-Outs
- 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
- No points on fuel, rent, wallet loads, government payments or EMIs
- Needs a monthly income of about ₹2,50,000
- SmartBuy brand-voucher earning was cut to 3,000 points a month
- 1% fee on rent and wallet loads
Card data sourced via CardAdvisor.in (Federal Scapia Credit card, HDFC Diners Club Black Metal Edition), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Federal Scapia Credit card or HDFC Diners Club Black Metal Edition?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; HDFC Diners Club Black Metal Edition: ₹10,000. 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%; HDFC Diners Club Black Metal Edition: 2%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: HDFC Diners Club Black Metal Edition 3.33%, Federal Scapia Credit card 2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
Federal Scapia Credit card: unlimited domestic lounge visits; HDFC Diners Club Black Metal Edition: 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
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Guides in Plain Words
Short reads that explain how it works before you decide.
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