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Federal Scapia Credit card vs SBI Card MILES PRIME 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 MILES PRIME compared
FeatureFederal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards2% on most spends; 4% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)2%Earns nothing
Online shopping2%0.5%
Dining and food delivery2%0.5%
Groceries2%0.5%
Travel: flights, hotels, trains2%; 4% only at Scapia app1%
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 paymentssameNot statedNot stated
Spend abroad or in a foreign currency2%0.5%
Everything else2%0.5%
Card identity
Card typesameTravelTravel
NetworkVisaMastercard
Card tierMidPremium
Fees
Joining feeFree₹2,999 + GST
Annual feeFree₹2,999 + GST
Lifetime freeYesNo
Fee waived at-₹10,00,000
Eligibility
Min age-21 years
Max age-70 years
Employment typesameBOTHBOTH
Min credit score730-
Rewards
Reward typeReward pointsAir miles
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap-₹250
Lounge access
Domestic lounge visits08
Domestic lounge unlimitedYesNo
International lounge visits04
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition20,000+ Per Month8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markupNone2.5%
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 photographPAN card Aadhaar / address proof Income proof (salary slips or ITR) 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
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, Federal Scapia Credit card comes out ₹6,839 a year ahead of SBI Card MILES PRIME. 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 MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

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 MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

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

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; SBI Card MILES PRIME: ₹2,999. 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 MILES PRIME: 2.5%. 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%, SBI Card MILES PRIME 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; SBI Card MILES PRIME: 8 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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