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Federal Scapia vs IDFC FIRST Millennia 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 Millennia Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
IDFC FIRST Millennia Credit CardIDFC FIRST Millennia Credit CardIDFC First Bank7 recent changes →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants0.38% base, up to 1.25% on dining
UPI payments (scan and pay)2%Earns nothing
Online shopping2%0.38%
Dining and food delivery2%1.25%
Groceries2%0.38%
Travel: flights, hotels, trains2%; 4% only at Scapia app1.25%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.13%
RentEarns nothing0.38%
Insurance premiumsEarns nothing0.38%
School and college fees2%0.38%
Wallet top-ups2%0.38%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency2%Earns nothing
Everything else2%0.38%
Card identity
Card typeTravelDining
NetworksameVisaVisa
Card tierMidEntry
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Employment typesameBOTHBOTH
Min monthly salary-₹25,000
Min credit score730-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Lounge access
Domestic lounge visitssame00
Domestic lounge unlimitedYesNo
International lounge visitssame00
Railway lounge visits-16
Lounge condition20,000+ Per MonthSpend Rs 20,000 in the previous month for lounge access
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)3.75%0.71%
Interest rate (annual)45%8.52%
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 neededsamePAN 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 / 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 Millennia Credit Card
Rewards a year
₹1,440
Fee a year
₹0
You keep
₹1,440

At this spend, Federal Scapia Credit card comes out ₹3,360 a year ahead of IDFC FIRST Millennia 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 Millennia Credit Card
  • First-time card users
  • Young earners
  • UPI payment users
  • People who want no annual fee

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 Millennia Credit Card
  • Base earning is only about 0.38%
  • Low earning on utility bills
  • No airport lounge access

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

They charge the same annual fee. Federal Scapia Credit card: no annual fee; IDFC FIRST Millennia Credit Card: no annual fee.

Which is better for spending abroad?

Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; IDFC FIRST Millennia 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 Millennia Credit Card 0.38%. 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 Millennia Credit Card: no complimentary 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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