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Paytm AU 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.

Paytm AU Credit Card versus Federal Scapia Credit card compared
FeaturePaytm AU Credit CardPaytm AU Credit CardAU Small Finance Bank3 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; 5% only at partner merchants2% on most spends; 4% only at partner merchants
UPI payments (scan and pay)Not stated2%
Online shopping1%2%
Dining and food delivery1%2%
Groceries1%2%
Travel: flights, hotels, trains1%; 5% only at Paytm Travel and Paytm Gold2%; 4% only at Scapia app
FuelsameEarns nothingEarns nothing
Bills and recharges1%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feesEarns nothing2%
Wallet top-upsEarns nothing2%
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%2%
Everything else1%2%
Card identity
Card typesameTravelTravel
NetworkRuPayVisa
Card tierEntryMid
Fees
Joining feesameFreeFree
Annual feesameFreeFree
Lifetime freesameYesYes
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Min credit score-730
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits120
Domestic lounge unlimitedNoYes
International lounge visitssame00
Lounge conditionUp to 12 complimentary domestic airport lounge visits a year, unlocked by booking a round-trip flight worth at least ₹5,000 via Paytm Travel on the Paytm app; each qualifying booking generates a Lounge QR good for up to 4 visits20,000+ Per Month
Forex and international
Forex markup3.49%None
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%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 neededsamePAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN 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

Paytm AU Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
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 ₹2,400 a year ahead of Paytm AU 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

Paytm AU Credit Card
  • Travel only at Paytm Travel and Paytm Gold: 5% back, up to ₹3,000 a month
  • Anyone who wants no annual fee, ever
  • Flyers: 12 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

Paytm AU Credit Card
  • Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • Skip it if you spend a lot on UPI payments: the card's terms do not state a rate there, so we count nothing
  • Skip it if you rarely spend on Paytm Travel and Paytm Gold: the 5% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
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, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Paytm AU Credit Card or Federal Scapia Credit card?

They charge the same annual fee. Paytm AU Credit Card: no annual fee; Federal Scapia Credit card: no annual fee.

Which is better for spending abroad?

Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; Paytm AU Credit Card: 3.49%. 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%, Paytm AU 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?

Paytm AU Credit Card: 12 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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