Share

IRCTC SBI Card Premier 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.

IRCTC SBI Card Premier versus Federal Scapia Credit card compared
FeatureIRCTC SBI Card PremierIRCTC SBI Card PremierState Bank of India5 recent changes →
Federal Scapia Credit cardFederal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes →
Rewards by spend
Rewards0.8% base, up to 2.4% on dining; 8% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Earns nothing2%
Online shopping0.8%2%
Dining and food delivery2.4%2%
Groceries0.8%2%
Travel: flights, hotels, trains0.8%; 8% only at IRCTC2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and recharges2.4%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.8%Earns nothing
School and college fees0.8%2%
Wallet top-upsEarns nothing2%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency0.8%2%
Everything else0.8%2%
Card identity
Card typesameTravelTravel
NetworksameVisaVisa
Card tiersameMidMid
Fees
Joining fee₹1,499 + GSTFree
Annual fee₹1,499 + GSTFree
Lifetime freeNoYes
Fee waived at₹2,00,000-
Eligibility
Employment type-BOTH
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹250-
Lounge access
Domestic lounge visitssame00
Domestic lounge unlimitedNoYes
International lounge visitssame00
Railway lounge visits8-
Lounge condition8 complimentary railway lounge visits a year (2 per quarter) at participating stations20,000+ Per Month
Forex and international
Forex markup3.5%None
UPI rewards
Works on UPINoYes
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 / 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

IRCTC SBI Card Premier
Rewards a year
₹2,880
Fee a year
₹0
You keep
₹2,880
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 ₹1,920 a year ahead of IRCTC SBI Card Premier. 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

IRCTC SBI Card Premier
  • Travel only at IRCTC: 8% back
  • Dining: 2.4% back
  • Spending ₹16,667 or more a month: the ₹1,769 fee is waived
  • Flyers: some airport lounge visits a year
Federal Scapia Credit card
  • International travellers
  • People who book trips online
  • Anyone wanting a free card with 0% forex fee

Watch-Outs

IRCTC SBI Card Premier
  • Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: 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 IRCTC: the 8% rate applies only there, everything else earns 0.8%
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 (IRCTC SBI Card Premier, Federal Scapia Credit card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, IRCTC SBI Card Premier or Federal Scapia Credit card?

Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; IRCTC SBI Card Premier: ₹1,499. 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%; IRCTC SBI Card Premier: 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%, IRCTC SBI Card Premier 0.8%. 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?

IRCTC SBI Card Premier: 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

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works