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HSBC Taj 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.

HSBC Taj Credit Card versus Federal Scapia Credit card compared
FeatureHSBC Taj Credit CardHSBC Taj Credit CardHSBC India1 recent change →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards1.01% on most spends; 3.35% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping1.01%2%
Dining and food delivery1.01%2%
Groceries1.01%2%
Travel: flights, hotels, trains1.01%; 3.35% only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and rechargessameEarns nothingEarns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feesEarns nothing2%
Wallet top-upsEarns nothing2%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1.01%2%
Everything else1.01%2%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tierSuper premiumMid
Fees
Joining fee₹1,10,000 + GSTFree
Annual fee₹1,10,000 + GSTFree
Lifetime freeNoYes
Eligibility
Min age25 years-
Max age75 years-
Employment typesameBOTHBOTH
Min monthly salary₹3,00,000-
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Lounge access
Domestic lounge visits-0
Domestic lounge unlimitedsameYesYes
International lounge visits-0
International lounge unlimitedYesNo
Lounge conditionUnlimited domestic and international airport lounge access. The 12 Taj Club and 12 Chambers visits are part of the annual Taj voucher package above (12 + 12 + 12 pool = 36 vouchers) and are valued there, not counted again here20,000+ 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 neededPAN card Aadhaar / address proof Income proof (salary slips or ITR)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

HSBC Taj Credit Card
Rewards a year
₹2,424
Fee a year
- ₹1,29,800
You keep
- ₹1,27,376
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 ₹1,32,176 a year ahead of HSBC Taj 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

HSBC Taj Credit Card
  • Travel only at Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: 3.35% back
  • Frequent flyers: unlimited airport lounge visits
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

HSBC Taj Credit Card
  • Skip it if you hope rewards alone will pay the ₹1,29,800 fee: on everyday spend they never do
  • Skip it if most of your spending is fuel, utility bills, rent or insurance: 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 rarely spend on Taj, SeleQtions, Gateway, Vivanta, amã Stays & Trails: the 3.35% rate applies only there, everything else earns 1.01%
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 (HSBC Taj 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, HSBC Taj Credit Card or Federal Scapia Credit card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; HSBC Taj Credit Card: ₹1,10,000. 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%; HSBC Taj 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%, HSBC Taj Credit Card 1.01%. 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?

HSBC Taj Credit Card: unlimited domestic lounge visits; 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.

Work Out the Numbers

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