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Matching your question with relevant cards and trade-offs.
Grounded in verified card data — exact cards, ranked matches, comparisons, and an honest no-result when we cannot confirm.
Ranked by how well they match the query, not by commission.
Lifetime free card, Optimized for lifetime free and lounge, featuring low 1.5% forex markup and complimentary lounge access.
Lifetime free card, Optimized for travel and zero forex, featuring low 0% forex markup and unlimited airport lounge access.
Lifetime free card, Optimized for travel and zero forex, featuring low 0% forex markup and unlimited airport lounge access.
Pick one so SimplifyCards can rank more accurately.
Spend level changes whether premium cards are worth the fee.
| Feature | IDFC FIRST Wealth Credit Card | Scapia Federal Credit Card | BOBCARD Scapia Credit Card |
|---|---|---|---|
| Best for | lifetime free, lounge, golf | travel, zero forex, lounge | travel, zero forex, lounge |
| Reward rates | 0.1% - Base reward rate upto 1.3% - accelerated reward rate | 0.2% - Base reward rate upto 0.8% - accelerated reward rate | 0.2% - Base reward rate upto 0.8% - accelerated reward rate |
| Annual fee | Rs 0 | Rs 0 | Rs 0 |
| Domestic lounge | 8 | Unlimited | Unlimited |
| International lounge | 8 | 0 | 0 |
| Forex markup | 1.5% | 0% | 0% |