Find my card

Scapia Federal Bank vs IDFC FIRST Wealth: Which Card Is Better?

A side-by-side comparison of Scapia Federal Bank and IDFC FIRST Wealth credit cards: fees, reward rates by category, caps, forex markup, lounge access, and which one earns more for different kinds of spenders.

Verdict

Scapia Federal Bank earns more in 7 of the 7 spending profiles we tested. Choose Scapia Federal for international travellers who want zero forex markup. Choose IDFC FIRST Wealth for high spenders who want premium perks without a fee.

Spending profileScapia FederalIDFC FIRST WealthWinner
Balanced spender₹7,200₹1,995Scapia Federal (+₹5,205)
Online shopper₹7,560₹2,505Scapia Federal (+₹5,055)
Frequent traveller₹20,880₹5,745Scapia Federal (+₹15,135)
Family & groceries₹9,600₹3,690Scapia Federal (+₹5,910)
Foodie₹8,160₹2,730Scapia Federal (+₹5,430)
Daily commuter₹4,680₹878Scapia Federal (+₹3,803)
High spender₹44,400₹17,520Scapia Federal (+₹26,880)

Estimated yearly value after caps, fees (with GST) and forex costs. Try your own spends →

Scapia Federal vs IDFC FIRST Wealth: full comparison

FeatureScapia Federal BankIDFC FIRST Wealth
Card
Scapia Federal BankFederal Bank
IDFC FIRST WealthIDFC FIRST Bank
Annual feeFreeFree
Joining feeFreeFree
Fee waiverNo fee to waiveNo fee to waive
NetworkVisaVisa
Amazon rewards2%0.38%
Flipkart rewards2%0.38%
Other online shopping rewards2%0.38%
Food delivery rewards2%0.38%
Dining out rewards2%0.38%
Groceries rewards2%0.38%
Flights & hotels rewards4%0.38%
Fuel rewards0%0%
Bills & recharges rewards0%0.13%
Everything else rewards2%0.38%
Forex markup0%0%
Lounge accessDomestic lounge access with ₹20,000 monthly spendDomestic and international lounge access with ₹20,000 monthly spend
Reward capsNo major caps10X points (1.25%) on monthly spends above ₹20,000
Est. yearly value: balanced spender₹7,200₹1,995
Est. yearly value: online shopper₹7,560₹2,505
Est. yearly value: frequent traveller₹20,880₹5,745
Est. yearly value: family & groceries₹9,600₹3,690
Best forInternational travellers who want zero forex markupHigh spenders who want premium perks without a fee
Pros
  • Zero forex markup on international spends
  • 10% back in Scapia Coins on all eligible spends
  • 20% back on travel booked through the Scapia app
  • Lifetime free
  • Lifetime free premium card
  • Zero forex markup on international spends (from September 2026)
  • 10X reward points on spends above ₹20,000 a month
  • Reward points never expire
Cons
  • Rewards redeemable only for travel on Scapia
  • No rewards on fuel, rent, utilities or insurance
  • Lounge access now needs ₹20,000 monthly spend (doubled in 2026)
  • Reward earn rate cut by 25% in January 2026
  • International spends expected to stop earning points on most IDFC cards from October 2026
  • Lounge access needs ₹20,000 monthly spend
Visit Federal BankVisit IDFC FIRST Bank

FAQs

Which is better, Scapia Federal or IDFC FIRST Wealth?

Scapia Federal Bank comes out ahead in 7 of 7 spending profiles we tested. Choose Scapia Federal Bank if you want a card for international travellers who want zero forex markup. Choose IDFC FIRST Wealth if you want a card for high spenders who want premium perks without a fee.

What is the difference in annual fee between Scapia Federal and IDFC FIRST Wealth?

Scapia Federal Bank: Lifetime free (no fee to waive). IDFC FIRST Wealth: Lifetime free (no fee to waive).

Which card has a lower forex markup?

Both cards charge 0%.

More comparisons

0 selectedCompare now