SBI IRCTC Platinum 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.
| Feature |  SBI IRCTC Platinum Credit CardState Bank of India5 recent changes → |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.8% on most spends; 8% only at partner merchants | 2% on most spends; 4% only at partner merchants | |
| UPI payments (scan and pay) | Earns nothing | 2% | |
| Online shopping | 0.8% | 2% | |
| Dining and food delivery | 0.8% | 2% | |
| Groceries | 0.8% | 2% | |
| Travel: flights, hotels, trains | 0.8%; 8% only at IRCTC | 2%; 4% only at Scapia app | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.8% | Earns nothing | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.8% | Earns nothing | |
| School and college fees | 0.8% | 2% | |
| Wallet top-ups | Earns nothing | 2% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 0.8% | 2% | |
| Everything else | 0.8% | 2% | |
| Card identity | |||
| Card typesame | Travel | Travel | |
| Networksame | Visa | Visa | |
| Card tier | Entry | Mid | |
| Fees | |||
| Joining fee | ₹500 + GST | Free | |
| Annual fee | ₹500 + GST | Free | |
| Lifetime free | No | Yes | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Min credit score | - | 730 | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹1 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | Yes | No | |
| Lounge access | |||
| Domestic lounge visitssame | 0 | 0 | |
| Domestic lounge unlimited | No | Yes | |
| International lounge visitssame | 0 | 0 | |
| Railway lounge visits | 4 | - | |
| Lounge condition | 4 complimentary railway lounge visits a year in India (max 1 per quarter), for primary cardholders only | 20,000+ Per Month | |
| Forex and international | |||
| Forex markup | 3.5% | None | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| 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 / address proof Income proof (salary slips or ITR) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,920
- Fee a year
- - ₹590
- You keep
- ₹1,330
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
At this spend, Federal Scapia Credit card comes out ₹3,470 a year ahead of SBI IRCTC Platinum 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
- Frequent train travellers
- Families who book on IRCTC
- UPI users wanting a credit card on RuPay
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
Watch-Outs
- Low rewards outside IRCTC
- No airport lounge access
- 3.5% forex fee
- 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 (SBI IRCTC Platinum 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, SBI IRCTC Platinum Credit Card or Federal Scapia Credit card?
Federal Scapia Credit card. Federal Scapia Credit card: no annual fee; SBI IRCTC Platinum Credit Card: ₹500. 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%; SBI IRCTC Platinum Credit Card: 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%, SBI IRCTC Platinum Credit Card 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?
SBI IRCTC Platinum 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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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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