Share

Federal Scapia vs IDFC FIRST WOW! Black 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 WOW! Black Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
IDFC FIRST WOW! Black Credit CardIDFC FIRST WOW! Black Credit CardIDFC First Bank3 recent changes →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants0.67% on most spends; 5% only at partner merchants
UPI payments (scan and pay)2%Not stated
Online shopping2%0.67%
Dining and food delivery2%0.67%
Groceries2%0.67%
Travel: flights, hotels, trains2%; 4% only at Scapia app0.67%; 5% only at Hotel and flight bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns bonus RP worth 16.7% of the booking, flights 10%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing0.17%
RentEarns nothing0.67%
Insurance premiumsEarns nothing0.67%
School and college fees2%0.67%
Wallet top-ups2%0.67%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency2%0.67%
Everything else2%0.67%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tiersameMidMid
Fees
Joining feeFree₹750 + GST
Annual feeFree₹750 + GST
Lifetime freeYesNo
Fee waived at-₹1,50,000
Eligibility
Min age-18 years
Max age-80 years
Employment typesameBOTHBOTH
Min monthly salary-₹0
Min credit score730-
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverNoYes
Lounge access
Domestic lounge visits04
Domestic lounge unlimitedYesNo
International lounge visitssame00
Lounge condition20,000+ Per MonthSpend Rs 20,000 in the previous month for domestic lounge access
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPIsameYesYes
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 photographPAN card Aadhaar / address proof Fixed deposit of ₹20,000 or more (no income proof required)
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 WOW! Black Credit Card
Rewards a year
₹1,608
Fee a year
₹0
You keep
₹1,608

At this spend, Federal Scapia Credit card comes out ₹3,192 a year ahead of IDFC FIRST WOW! Black 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 WOW! Black Credit Card
  • Travellers who want zero forex on a secured card
  • People building a credit score
  • Students and new earners
  • Occasional domestic flyers

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 WOW! Black Credit Card
  • ₹750 fee if you spend under Rs 1.5 lakh a year
  • Base reward rate is about 0.67%
  • Lounge visit needs Rs 20,000 spend in the previous month

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

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; IDFC FIRST WOW! Black Credit Card: ₹750. 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 WOW! Black 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 WOW! Black Credit Card 0.67%. 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 WOW! Black Credit Card: 4 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works