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Federal Scapia vs RBL Bank IRCTC 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 RBL Bank IRCTC Credit Card compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
RBL Bank IRCTC Credit CardRBL Bank IRCTC Credit CardRBL Bank3 recent changes →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants0.5% on most spends; 2.5% only at partner merchants
UPI payments (scan and pay)2%0.5%
Online shopping2%0.5%
Dining and food delivery2%0.5%
Groceries2%0.5%
Travel: flights, hotels, trains2%; 4% only at Scapia app0.5%; 2.5% only at IRCTC train ticket bookings
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%0.5%
Everything else2%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaRuPay
Card tierMidEntry
Fees
Joining feeFree₹500 + GST
Annual feeFree₹500 + GST
Lifetime freeYesNo
Eligibility
Employment typesameBOTHBOTH
Min credit score730-
Rewards
Reward typesameReward pointsReward points
Point value₹0₹1
Lounge access
Domestic lounge visitssame00
Domestic lounge unlimitedYesNo
International lounge visitssame00
Railway lounge visits-8
Lounge condition20,000+ Per Month8 complimentary railway-station lounge visits a year (2 per quarter) at participating IRCTC lounges
Forex and international
Forex markupNone3.5%
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
Redemption
Redemption methodVouchers, Air miles-
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
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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
RBL Bank IRCTC Credit Card
Rewards a year
₹1,200
Fee a year
- ₹590
You keep
₹610

At this spend, Federal Scapia Credit card comes out ₹4,190 a year ahead of RBL Bank IRCTC 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
RBL Bank IRCTC Credit Card
  • Frequent train travellers
  • People who book on IRCTC for family
  • Students and workers who travel home by train

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
RBL Bank IRCTC Credit Card
  • No stated fee waiver
  • Only about 0.5% on non-rail spends
  • No airport lounge access
  • 3.5% forex markup

Card data sourced via CardAdvisor.in (Federal Scapia Credit card, RBL Bank IRCTC 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 RBL Bank IRCTC Credit Card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; RBL Bank IRCTC Credit Card: ₹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%; RBL Bank IRCTC 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%, RBL Bank IRCTC Credit Card 0.5%. 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; RBL Bank IRCTC 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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