Federal Scapia Credit card vs Titan SBI 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 → |  Titan SBI CardState Bank of India | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 2% on most spends; 4% only at partner merchants | 1.5% on most spends | |
| UPI payments (scan and pay) | 2% | Earns nothing | |
| Online shopping | 2% | 1.5% | |
| Dining and food delivery | 2% | 1.5% | |
| Groceries | 2% | 1.5% | |
| Travel: flights, hotels, trains | 2%; 4% only at Scapia app | 1.5% | |
| Fuel | Earns nothing | Not stated | |
| Bills and recharges | Earns nothing | Not stated | |
| Rent | Earns nothing | Not stated | |
| Insurance premiums | Earns nothing | Not stated | |
| School and college fees | 2% | Not stated | |
| Wallet top-ups | 2% | Not stated | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | 2% | 1.5% | |
| Everything else | 2% | 1.5% | |
| Card identity | |||
| Card type | Travel | Rewards | |
| Networksame | Visa | Visa | |
| Card tier | Mid | Premium | |
| Fees | |||
| Joining fee | Free | ₹2,999 + GST | |
| Annual fee | Free | ₹2,999 + GST | |
| Lifetime free | Yes | No | |
| Fee waived at | - | ₹3,00,000 | |
| Eligibility | |||
| Employment type | BOTH | - | |
| Min credit score | 730 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹0 | - | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Lounge access | |||
| Domestic lounge visits | 0 | 8 | |
| Domestic lounge unlimited | Yes | No | |
| International lounge visits | 0 | 4 | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | 20,000+ Per Month | - | |
| Forex and international | |||
| Forex markup | None | 3.5% | |
| UPI rewards | |||
| Works on UPI | Yes | - | |
| 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 | - | |
| 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
- ₹3,600
- Fee a year
- - ₹3,539
- You keep
- ₹61
At this spend, Federal Scapia Credit card comes out ₹4,739 a year ahead of Titan SBI 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
- Spending ₹25,000 or more a month: the ₹3,539 fee is waived
- Flyers: 12 airport lounge visits a year
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 ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- 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, Titan SBI 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 Titan SBI Card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; Titan SBI Card: ₹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%; Titan SBI 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%, Titan SBI Card 1.5%. 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; Titan SBI Card: 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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