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HDFC Bank Diners Club Privilege vs Federal Scapia 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.

HDFC Bank Diners Club Privilege Credit Card versus Federal Scapia Credit card compared
FeatureHDFC Bank Diners Club Privilege Credit CardHDFC Bank Diners Club Privilege Credit CardHDFC Bank5 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards1% on most spends; 10% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping1%; 5% only at HDFC SmartBuy brand vouchers2%
Dining and food delivery1%; 5% only at Swiggy, Zomato2%
Groceries1%2%
Travel: flights, hotels, trains1%; 10% only at HDFC SmartBuy2%; 4% only at Scapia app
FuelNot statedEarns nothing
Bills and rechargesNot statedEarns nothing
RentNot statedEarns nothing
Insurance premiumsNot statedEarns nothing
School and college feesNot stated2%
Wallet top-upsNot stated2%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency1%2%
Everything else1%2%
Card identity
Card typesameTravelTravel
NetworkDiners ClubVisa
Card tierPremiumMid
Fees
Joining fee₹1,000 + GSTFree
Annual fee₹1,000 + GSTFree
Lifetime freeNoYes
Fee waived at₹3,00,000-
Eligibility
Min age21 years-
Max age60 years-
Employment type-BOTH
Min monthly salary₹35,000-
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Lounge access
Domestic lounge visits80
Domestic lounge unlimitedNoYes
International lounge visits40
Lounge conditionSpend Rs 60,000 in the previous quarter for lounge access20,000+ Per Month
Forex and international
Forex markup3.5%None
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%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
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HDFC Bank Diners Club Privilege Credit Card
Rewards a year
₹2,400
Fee a year
- ₹1,180
You keep
₹1,220
Federal Scapia Credit card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend, Federal Scapia Credit card comes out ₹3,580 a year ahead of HDFC Bank Diners Club Privilege 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

HDFC Bank Diners Club Privilege Credit Card
  • Regular food delivery users
  • SmartBuy travel bookers
  • Salaried users spending Rs 25,000 a month or more
  • First premium card upgrade
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

HDFC Bank Diners Club Privilege Credit Card
  • Lounge visits need Rs 60,000 spend in the previous quarter
  • Accelerated rewards have monthly caps
  • Needs a monthly income of about ₹35,000
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

Card data sourced via CardAdvisor.in (HDFC Bank Diners Club Privilege Credit Card, Federal Scapia Credit card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, HDFC Bank Diners Club Privilege Credit Card or Federal Scapia Credit card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; HDFC Bank Diners Club Privilege Credit Card: ₹1,000. 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%; HDFC Bank Diners Club Privilege 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%, HDFC Bank Diners Club Privilege Credit Card 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?

HDFC Bank Diners Club Privilege Credit Card: 8 domestic lounge visits a year; Federal Scapia Credit card: unlimited domestic lounge visits. 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.

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