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IDFC FIRST WOW! Black 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 WOW! Black Credit Card versus Federal Scapia Credit card compared
FeatureIDFC FIRST WOW! Black Credit CardIDFC FIRST WOW! Black Credit CardIDFC First Bank3 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards0.67% on most spends; 5% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Not stated2%
Online shopping0.67%2%
Dining and food delivery0.67%2%
Groceries0.67%2%
Travel: flights, hotels, trains0.67%; 5% only at Hotel and flight bookings made through the IDFC FIRST Bank mobile app, the hotel leg earns bonus RP worth 16.7% of the booking, flights 10%2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and recharges0.17%Earns nothing
Rent0.67%Earns nothing
Insurance premiums0.67%Earns nothing
School and college fees0.67%2%
Wallet top-ups0.67%2%
Taxes and government paymentssameNot statedNot stated
Spend abroad or in a foreign currency0.67%2%
Everything else0.67%2%
Card identity
Card typesameTravelTravel
NetworkMastercardVisa
Card tiersameMidMid
Fees
Joining fee₹750 + GSTFree
Annual fee₹750 + GSTFree
Lifetime freeNoYes
Fee waived at₹1,50,000-
Eligibility
Min age18 years-
Max age80 years-
Employment typesameBOTHBOTH
Min monthly salary₹0-
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Lounge access
Domestic lounge visits40
Domestic lounge unlimitedNoYes
International lounge visitssame00
Lounge conditionSpend Rs 20,000 in the previous month for domestic lounge access20,000+ Per Month
Forex and international
Forex markupsameNoneNone
UPI rewards
Works on UPIsameYesYes
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 neededPAN card Aadhaar / address proof Fixed deposit of ₹20,000 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
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

IDFC FIRST WOW! Black Credit Card
Rewards a year
₹1,608
Fee a year
₹0
You keep
₹1,608
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 ₹3,192 a year ahead of IDFC FIRST WOW! Black 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 WOW! Black Credit Card
  • Travellers who want zero forex on a secured card
  • People building a credit score
  • Students and new earners
  • Occasional domestic flyers
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

IDFC FIRST WOW! Black Credit Card
  • ₹750 fee if you spend under Rs 1.5 lakh a year
  • Base reward rate is about 0.67%
  • Lounge visit needs 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 WOW! Black 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 WOW! Black Credit Card or Federal Scapia Credit card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; IDFC FIRST WOW! Black Credit Card: ₹750. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

IDFC FIRST WOW! Black Credit Card has the lowest forex markup. IDFC FIRST WOW! Black 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 WOW! Black Credit Card 0.67%. 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 WOW! Black Credit Card: 4 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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