Federal Scapia vs YES BANK POP-CLUB 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.
| Feature |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → |  YES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 2% on most spends; 4% only at partner merchants | 0.2% base, up to 1% on online shopping | |
| UPI payments (scan and pay) | 2% | 1% | |
| Online shopping | 2% | 1% | |
| Dining and food delivery | 2% | 0.2% | |
| Groceries | 2% | 0.2% | |
| Travel: flights, hotels, trains | 2%; 4% only at Scapia app | 0.2% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | Earns nothing | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiumssame | Earns nothing | Earns nothing | |
| School and college fees | 2% | Earns nothing | |
| Wallet top-ups | 2% | Earns nothing | |
| Taxes and government payments | Not stated | Earns nothing | |
| Spend abroad or in a foreign currency | 2% | 0.2% | |
| Everything else | 2% | 0.2% | |
| Card identity | |||
| Card type | Travel | Shopping | |
| Network | Visa | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining feesame | Free | Free | |
| Annual fee | Free | ₹399 + GST | |
| Lifetime free | Yes | No | |
| First year free | No | Yes | |
| Fee waived at | - | ₹1,50,000 | |
| Welcome benefit | - | Earn 500 POPcoins on activating the POP CLUB Credit Card | |
| Eligibility | |||
| Min age | - | 21 years | |
| Max age | - | 60 years | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | - | ₹25,000 | |
| Min credit score | 730 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel waiver cap | - | ₹100 | |
| 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 UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.99% | |
| Interest rate (annual) | 45% | 47.88% | |
| Redemption | |||
| Redemption method | Vouchers, Air miles | - | |
| Page content | |||
| Eligibility | Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student | Age: 21 to 60 years Min. income: ₹25,000/mo | |
| 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 / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) | |
| 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
- ₹960
- Fee a year
- ₹0
- You keep
- ₹960
At this spend, Federal Scapia Credit card comes out ₹3,840 a year ahead of YES BANK POP-CLUB 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
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
- Young online shoppers
- UPI users wanting a low-cost card
- First-time card users
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
- Very low earn on offline spends
- Monthly cap on online rewards
- 3.5% forex fee
Card data sourced via CardAdvisor.in (Federal Scapia Credit card, YES BANK POP-CLUB 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 YES BANK POP-CLUB Credit Card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; YES BANK POP-CLUB Credit Card: ₹399. 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%; YES BANK POP-CLUB 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%, YES BANK POP-CLUB Credit Card 0.2%. 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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