Federal Scapia vs IndiGo IDFC FIRST 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.
| Feature |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → |  IndiGo IDFC FIRST Credit CardIDFC First Bank7 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 2% on most spends; 4% only at partner merchants | 1.26% on most spends; 2.52% only at partner merchants | |
| UPI payments (scan and pay) | 2% | 1.26% | |
| Online shopping | 2% | 1.26% | |
| Dining and food delivery | 2% | 1.26% | |
| Groceries | 2% | 1.26% | |
| Travel: flights, hotels, trains | 2%; 4% only at Scapia app | 1.26%; 2.52% only at IndiGo flight bookings on goindigo.in and the IndiGo app | |
| Fuel | Earns nothing | 0.21% | |
| Bills and recharges | Earns nothing | 0.21% | |
| Rent | Earns nothing | 0.21% | |
| Insurance premiums | Earns nothing | 0.21% | |
| School and college fees | 2% | 0.21% | |
| Wallet top-ups | 2% | 0.21% | |
| Taxes and government payments | Not stated | 0.21% | |
| Spend abroad or in a foreign currency | 2% | 0.42% | |
| Everything else | 2% | 1.26% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Network | Visa | Mastercard | |
| Card tier | Mid | Premium | |
| Fees | |||
| Joining fee | Free | ₹4,999 + GST | |
| Annual fee | Free | ₹4,999 + GST | |
| Lifetime free | Yes | No | |
| Eligibility | |||
| Min age | - | 18 years | |
| Employment typesame | BOTH | BOTH | |
| Min credit score | 730 | - | |
| Rewards | |||
| Reward type | Reward points | Air miles | |
| Point valuesame | ₹0 | ₹0 | |
| Lounge access | |||
| Domestic lounge visits | 0 | - | |
| Domestic lounge unlimited | Yes | No | |
| International lounge visits | 0 | - | |
| Lounge condition | 20,000+ Per Month | - | |
| Forex and international | |||
| Forex markupsame | None | None | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Redemption | |||
| Redemption method | Vouchers, Air miles | - | |
| Redemption fee | - | ₹0 | |
| Page content | |||
| Eligibility | Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student | - | |
| Documents needed | 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 Income proof (salary slips or ITR) | |
| 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
- ₹3,024
- Fee a year
- - ₹5,899
- You keep
- - ₹2,875
At this spend, Federal Scapia Credit card comes out ₹7,675 a year ahead of IndiGo IDFC FIRST 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
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
- Frequent IndiGo flyers
- Travellers abroad who want 0% forex markup
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
- High annual fee of ₹4,999
- BluChips are worth most only on IndiGo
- Reduced rate on fuel and education; nothing on EMI and cash
Card data sourced via CardAdvisor.in (Federal Scapia Credit card, IndiGo IDFC FIRST 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 IndiGo IDFC FIRST Credit Card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; IndiGo IDFC FIRST Credit Card: ₹4,999. 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%; IndiGo IDFC FIRST 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%, IndiGo IDFC FIRST Credit Card 1.26%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
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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