Select Credit Card
Rs 0Annual fee
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic airport lounge visit per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month.
0%Forex markup
Best for
Lifetime Free, Lounge, Lifestyle, Rewards, Zero Forex
Top rewards
Other Retail Spends Up To ₹20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per INR 200 spent; Utility, Insurance, FASTag, And Railway Transactions: 1 Reward Point per INR 200 spent
Scapia Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic airport lounge access requires a minimum spend of ₹20,000 in the preceding calendar month.
- Effective February 27, 2026, insurance spends (MCC 6300) and utility transactions (including telecom, internet, cable, and communication services under MCC 4900, 4812, 4814, 4816, and 4899) are excluded from earning Scapia Coins and do not count towards the domestic lounge spend milestone.
0%Forex markup
Best for
Travel, Zero Forex, Lounge, UPI, Lifetime Free
Top rewards
Travel Bookings On Scapia App: 20 Scapia Coins / ₹100; Visa Online And Offline Spends: 10 Scapia Coins / ₹100; UPI Spends Of ₹500 Or More On RuPay: 5 Scapia Coins / ₹100
| Feature | Select Credit Card | Scapia Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | Federal Bank |
| Network | Visa, Mastercard | Visa, RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Scapia Coins |
| Best for | Lifetime Free, Lounge, Lifestyle, Rewards, Zero Forex | Travel, Zero Forex, Lounge, UPI, Lifetime Free |
| Top reward categories | Other Retail Spends Up To ₹20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per INR 200 spent; Utility, Insurance, FASTag, And Railway Transactions: 1 Reward Point per INR 200 spent | Travel Bookings On Scapia App: 20 Scapia Coins / ₹100; Visa Online And Offline Spends: 10 Scapia Coins / ₹100; UPI Spends Of ₹500 Or More On RuPay: 5 Scapia Coins / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 4 | Unlimited |
| International lounge | 0 | 0 |
| Forex markup | 0% | 0% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.2 per point |
| Key exclusions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |