Federal Scapia Credit card vs SBI Card Unnati 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: 1 October 2026.
| Feature |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → |  SBI Card UnnatiState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 2% on most spends; 4% only at partner merchants | 0.25% on most spends | |
| UPI payments (scan and pay) | 2% | Earns nothing | |
| Online shopping | 2% | 0.25% | |
| Dining and food delivery | 2% | 0.25% | |
| Groceries | 2% | 0.25% | |
| Travel: flights, hotels, trains | 2%; 4% only at Scapia app | 0.25% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | Earns nothing | 0.25% | |
| School and college fees | 2% | 0.25% | |
| Wallet top-ups | 2% | 0.25% | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 2% | 0.25% | |
| Everything else | 2% | 0.25% | |
| Card identity | |||
| Card type | Travel | Rewards | |
| Networksame | Visa | Visa | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining feesame | Free | Free | |
| Annual fee | Free | ₹499 + GST | |
| Lifetime free | Yes | No | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Min credit score | 730 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| 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 markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Redemption | |||
| Redemption method | Vouchers, Air miles | - | |
| 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 / address proof SBI fixed-deposit proof (Rs.25,000+) Income proof (salary slips or ITR) Recent passport-size photograph | |
| 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
- ₹600
- Fee a year
- - ₹589
- You keep
- ₹11
At this spend, Federal Scapia Credit card comes out ₹4,789 a year ahead of SBI Card Unnati. 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
Nothing stands out from the published figures.
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
- Skip it if you spend less than ₹20,000 a month: below that the ₹589 fee costs more than the rewards
- Skip it if most of your spending is fuel, rent 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 often pay in foreign currency: 3.5% is added to every foreign spend
Card data sourced via CardAdvisor.in (Federal Scapia Credit card, SBI Card Unnati), 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 Unnati?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; SBI Card Unnati: ₹499. 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 Unnati: 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%, SBI Card Unnati 0.25%. 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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