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IDFC FIRST SWYP 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 SWYP Credit Card versus Federal Scapia Credit card compared
FeatureIDFC FIRST SWYP Credit CardIDFC FIRST SWYP Credit CardIDFC First Bank7 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; 3% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping1%2%
Dining and food delivery1%2%
Groceries1%2%
Travel: flights, hotels, trains1%; 3% only at Hotel and flight bookings made through the FIRST Rewards Gallery in the IDFC FIRST Bank app2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and recharges1%Earns nothing
Rent1%Earns nothing
Insurance premiums1%Earns nothing
School and college fees1%2%
Wallet top-ups1%2%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currencyEarns nothing2%
Everything else1%2%
Card identity
Card typesameTravelTravel
NetworkMastercardVisa
Card tierEntryMid
Fees
Joining fee₹499 + GSTFree
Annual fee₹499 + GSTFree
Lifetime freeNoYes
Eligibility
Employment typesameBOTHBOTH
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Lounge access
Domestic lounge visitssame00
Domestic lounge unlimitedNoYes
International lounge visitssame00
Railway lounge visits16-
Lounge conditionSpend Rs 20,000 in the previous month for lounge access20,000+ Per Month
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)None3.75%
Interest rate (annual)None45%
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 neededPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

IDFC FIRST SWYP Credit Card
Rewards a year
₹2,400
Fee a year
- ₹589
You keep
₹1,811
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 ₹2,989 a year ahead of IDFC FIRST SWYP 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 SWYP Credit Card
  • First-time card users with a steady salary
  • Train travellers who use railway lounges
  • People who book travel through the IDFC FIRST app
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

IDFC FIRST SWYP Credit Card
  • No fee waiver, however much you spend
  • No airport lounge access
  • Railway lounges need Rs 20,000 spend in the previous month
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 SWYP 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 SWYP Credit Card or Federal Scapia Credit card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; IDFC FIRST SWYP Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST SWYP Credit Card has the lowest forex markup. IDFC FIRST SWYP 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 SWYP 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?

IDFC FIRST SWYP Credit Card: no complimentary 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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