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Federal Scapia vs HSBC Taj 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.

Federal Scapia Credit card versus HSBC Taj Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
HSBC Taj Credit CardHSBC Taj Credit CardHSBC India1 recent change →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants1.01% on most spends; 3.35% only at partner merchants
UPI payments (scan and pay)2%Earns nothing
Online shopping2%1.01%
Dining and food delivery2%1.01%
Groceries2%1.01%
Travel: flights, hotels, trains2%; 4% only at Scapia app1.01%; 3.35% only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college fees2%Earns nothing
Wallet top-ups2%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency2%1.01%
Everything else2%1.01%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tierMidSuper premium
Fees
Joining feeFree₹1,10,000 + GST
Annual feeFree₹1,10,000 + GST
Lifetime freeYesNo
Eligibility
Min age-25 years
Max age-75 years
Employment typesameBOTHBOTH
Min monthly salary-₹3,00,000
Min credit score730-
Rewards
Reward typesameReward pointsReward points
Point value₹0₹1
Lounge access
Domestic lounge visits0-
Domestic lounge unlimitedsameYesYes
International lounge visits0-
International lounge unlimitedNoYes
Lounge condition20,000+ Per MonthUnlimited domestic and international airport lounge access. The 12 Taj Club and 12 Chambers visits are part of the annual Taj voucher package above (12 + 12 + 12 pool = 36 vouchers) and are valued there, not counted again here
Forex and international
Forex markupNone3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption methodVouchers, Air miles-
Page content
EligibilityAge: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student-
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Federal Scapia Credit card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800
HSBC Taj Credit Card
Rewards a year
₹2,424
Fee a year
- ₹1,29,800
You keep
- ₹1,27,376

At this spend, Federal Scapia Credit card comes out ₹1,32,176 a year ahead of HSBC Taj Credit Card. 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

Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee
HSBC Taj Credit Card
  • Travel only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: 3.35% back
  • Frequent flyers: unlimited airport lounge visits

Watch-Outs

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
HSBC Taj Credit Card
  • Skip it if you hope rewards alone will pay the ₹1,29,800 fee: on everyday spend they never do
  • Skip it if most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you rarely spend on Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: the 3.35% rate applies only there, everything else earns 1.01%

Card data sourced via CardAdvisor.in (Federal Scapia Credit card, HSBC Taj Credit Card), 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 HSBC Taj Credit Card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; HSBC Taj Credit Card: ₹1,10,000. 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%; HSBC Taj Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Federal Scapia Credit card 2%, HSBC Taj Credit Card 1.01%. 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; HSBC Taj 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

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