IDFC FIRST EA₹N 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.
| Feature |  IDFC FIRST EA₹N Credit CardIDFC First Bank6 recent changes → |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% on most spends; 2.5% only at partner merchants | 2% on most spends; 4% only at partner merchants | |
| UPI payments (scan and pay) | 0.5% | 2% | |
| Online shopping | 0.5% | 2% | |
| Dining and food delivery | 0.5% | 2% | |
| Groceries | 0.5% | 2% | |
| Travel: flights, hotels, trains | 0.5%; 2.5% only at Flight and hotel bookings made through the FIRST Rewards Gallery in the IDFC FIRST Bank app | 2%; 4% only at Scapia app | |
| Fuel | 0.5% | Earns nothing | |
| Bills and recharges | 0.5% | Earns nothing | |
| Rent | 0.5% | Earns nothing | |
| Insurance premiums | 0.5% | Earns nothing | |
| School and college fees | 0.5% | 2% | |
| Wallet top-ups | 0.5% | 2% | |
| Taxes and government paymentssame | Not stated | Not stated | |
| Spend abroad or in a foreign currency | 0.5% | 2% | |
| Everything else | 0.5% | 2% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Network | RuPay | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining feesame | Free | Free | |
| Annual fee | ₹499 + GST | Free | |
| Lifetime free | No | Yes | |
| Fee waived at | ₹1,00,000 | - | |
| Eligibility | |||
| Min age | 18 years | - | |
| Max age | 80 years | - | |
| Employment typesame | BOTH | BOTH | |
| Min monthly salary | ₹0 | - | |
| Min credit score | - | 730 | |
| Rewards | |||
| Reward type | Cashback | Reward points | |
| Point value | ₹1 | ₹0 | |
| Lounge access | |||
| Domestic lounge visits | - | 0 | |
| Domestic lounge unlimited | No | Yes | |
| International lounge visits | - | 0 | |
| Lounge condition | - | 20,000+ Per Month | |
| Forex and international | |||
| Forex markupsame | None | None | |
| UPI rewards | |||
| Works on UPIsame | Yes | 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 / address proof Fixed deposit of ₹5,000 or more (no income proof required) | 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
- ₹1,200
- Fee a year
- ₹0
- You keep
- ₹1,200
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, Federal Scapia Credit card comes out ₹3,600 a year ahead of IDFC FIRST EA₹N 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
- First-time credit users
- People building or repairing a credit score
- UPI users who bank with IDFC FIRST
- Moviegoers
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
Watch-Outs
- ₹499 fee if you spend under Rs 1 lakh a year
- 1% cashback only through the IDFC FIRST app
- 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 (IDFC FIRST EA₹N 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, IDFC FIRST EA₹N Credit Card or Federal Scapia Credit card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; IDFC FIRST EA₹N Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
IDFC FIRST EA₹N Credit Card has the lowest forex markup. IDFC FIRST EA₹N Credit Card: 0%; Federal Scapia Credit card: 0%. 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%, IDFC FIRST EA₹N Credit Card 0.5%. 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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