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Federal Scapia vs IDFC FIRST Gaj 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 IDFC FIRST Gaj Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
IDFC FIRST Gaj Credit CardIDFC FIRST Gaj Credit CardIDFC First Bank2 recent changes →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants0.83% on most spends; 16.67% only at partner merchants
UPI payments (scan and pay)2%Earns nothing
Online shopping2%0.83%
Dining and food delivery2%0.83%
Groceries2%0.83%
Travel: flights, hotels, trains2%; 4% only at Scapia app0.83%; 16.67% only at Flight & hotel bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns 50 RP per ₹150 total, flights 25 RP per ₹150
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothingNot stated
RentEarns nothingNot stated
Insurance premiumsEarns nothingNot stated
School and college fees2%Not stated
Wallet top-ups2%Not stated
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency2%0.5%
Everything else2%0.83%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tierMidSuper premium
Fees
Joining feeFree₹12,500 + GST
Annual feeFree₹12,500 + GST
Lifetime freeYesNo
Fee waived at-₹10,00,000
Eligibility
Employment typeBOTH-
Min credit score730-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Lounge access
Domestic lounge visits016
Domestic lounge unlimitedYesNo
International lounge visits016
Lounge condition20,000+ Per Month4 domestic (incl. 1 guest) and 4 international lounge visits every quarter (16 + 16 a year)
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Redemption
Redemption methodVouchers, Air miles-
Redemption fee-₹99
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 photograph-
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
IDFC FIRST Gaj Credit Card
Rewards a year
₹1,992
Fee a year
- ₹14,750
You keep
- ₹12,758

At this spend, Federal Scapia Credit card comes out ₹17,558 a year ahead of IDFC FIRST Gaj 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
IDFC FIRST Gaj Credit Card
  • Spending ₹83,333 or more a month: the ₹14,750 fee is waived
  • Flyers: 32 airport lounge visits a year
  • Spending abroad: 0% markup, most cards add 3.5%

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
IDFC FIRST Gaj Credit Card
  • Skip it if you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹14,750 fee is then charged
  • Skip it if most of your spending is fuel: 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 spend a lot on utility bills, rent, insurance or education: the card's terms do not state a rate there, so we count nothing

Card data sourced via CardAdvisor.in (Federal Scapia Credit card, IDFC FIRST Gaj 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 IDFC FIRST Gaj Credit Card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; IDFC FIRST Gaj Credit Card: ₹12,500. 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%; IDFC FIRST Gaj Credit Card: 0%. 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%, IDFC FIRST Gaj Credit Card 0.83%. 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; IDFC FIRST Gaj Credit Card: 16 domestic lounge visits a year. 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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