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Federal Scapia Credit card vs SBI Card AURUM 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 SBI Card AURUM compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
SBI Card AURUMSBI Card AURUMState Bank of India5 recent changes →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants1% on most spends
UPI payments (scan and pay)2%Earns nothing
Online shopping2%1%
Dining and food delivery2%1%
Groceries2%1%
Travel: flights, hotels, trains2%; 4% only at Scapia app1%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing1%
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing1%
School and college fees2%1%
Wallet top-ups2%Earns nothing
Taxes and government paymentsNot statedEarns nothing
Spend abroad or in a foreign currency2%1%
Everything else2%1%
Card identity
Card typeTravelRewards
NetworkVisaMastercard
Card tierMidSuper premium
Fees
Joining feeFree₹9,999 + GST
Annual feeFree₹9,999 + GST
Lifetime freeYesNo
Fee waived at-₹12,00,000
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 visits0-
International lounge unlimitedNoYes
Lounge programme-DREAMFOLKS
Lounge condition20,000+ Per Month16 domestic lounge visits a year (4 per quarter, add-on cardholders included) + unlimited international access via a complimentary DreamFolks membership, plus one guest visit per quarter. The ₹ figure is our internal estimate, SBI publishes the counts, n
Forex and international
Forex markupNone1.99%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Redemption
Redemption methodVouchers, Air miles-
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
SBI Card AURUM
Rewards a year
₹2,400
Fee a year
- ₹11,799
You keep
- ₹9,399

At this spend, Federal Scapia Credit card comes out ₹14,199 a year ahead of SBI Card AURUM. 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
SBI Card AURUM
  • Spending ₹1,00,000 or more a month: the ₹11,799 fee is waived
  • Frequent flyers: unlimited airport lounge visits
  • Spending abroad: 1.99% 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
SBI Card AURUM
  • Skip it if you spend less than ₹1,00,000 a month (₹12,00,000 a year, rent and wallet loads not counted): the ₹11,799 fee is then charged
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: 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 sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

Card data sourced via CardAdvisor.in (Federal Scapia Credit card, SBI Card AURUM), 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 SBI Card AURUM?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; SBI Card AURUM: ₹9,999. 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%; SBI Card AURUM: 1.99%. 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%, SBI Card AURUM 1%. 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; SBI Card AURUM: 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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