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IDFC FIRST Gaj 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.

IDFC FIRST Gaj Credit Card versus Federal Scapia Credit card compared
FeatureIDFC FIRST Gaj Credit CardIDFC FIRST Gaj Credit CardIDFC First Bank2 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards0.83% on most spends; 16.67% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping0.83%2%
Dining and food delivery0.83%2%
Groceries0.83%2%
Travel: flights, hotels, trains0.83%; 16.67% only at Flight & hotel bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns 50 RP per ₹150 total, flights 25 RP per ₹1502%; 4% only at Scapia app
FuelsameEarns nothingEarns 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 currency0.5%2%
Everything else0.83%2%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tierSuper premiumMid
Fees
Joining fee₹12,500 + GSTFree
Annual fee₹12,500 + GSTFree
Lifetime freeNoYes
Fee waived at₹10,00,000-
Eligibility
Employment type-BOTH
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Lounge access
Domestic lounge visits160
Domestic lounge unlimitedNoYes
International lounge visits160
Lounge condition4 domestic (incl. 1 guest) and 4 international lounge visits every quarter (16 + 16 a year)20,000+ Per Month
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)-3.75%
Interest rate (annual)-45%
Redemption
Redemption method-Vouchers, Air miles
Redemption fee₹99-
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

IDFC FIRST Gaj Credit Card
Rewards a year
₹1,992
Fee a year
- ₹14,750
You keep
- ₹12,758
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 ₹17,558 a year ahead of IDFC FIRST Gaj 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

IDFC FIRST Gaj Credit Card
  • Spending ₹83,333 or more a month: the ₹14,750 fee is waived
  • Flyers: 32 airport lounge visits a year
  • Spending abroad: 0% markup, most cards add 3.5%
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

IDFC FIRST Gaj Credit Card
  • Skip it if you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹14,750 fee is then charged
  • Skip it if most of your spending is fuel: 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 spend a lot on utility bills, rent, insurance or education: the card's terms do not state a rate there, so we count nothing
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 (IDFC FIRST Gaj 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 Gaj Credit Card or Federal Scapia Credit card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; IDFC FIRST Gaj Credit Card: ₹12,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST Gaj Credit Card has the lowest forex markup. IDFC FIRST Gaj 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 Gaj Credit Card 0.83%. 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?

IDFC FIRST Gaj Credit Card: 16 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.

Work Out the Numbers

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