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faayda.com › compare › Scapia Federal vs IDFC FIRST Wealth
Comparison · हिन्दी

Scapia Federal vs IDFC FIRST Wealth

Both cards compared on real rupee returns for best lifetime free premium credit card India. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
FEDERAL
SCAPIA FEDERAL
ASHOK KUMAR
VS
IDFC FIRST
WEALTH
ASHOK KUMAR
Our verdict
IDFC FIRST Wealth Credit Card wins for most people
Card B wins with ₹6,420 annual benefits versus Card A's ₹4,800. Its higher reward multipliers on online and offline spends, plus birthday bonuses, deliver superior value despite both cards being lifetime free.
Side-by-side comparison
Scapia Federal Bank Credit Card IDFC FIRST Wealth Credit Card ✓
Annual benefit ₹4,800 ₹6,420
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹0 (lifetime free)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026) 6X reward points on online spends; 3X on offline; 10X on birthdays
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges on ₹50,000+ international flight bookings via the Scapia app Unlimited domestic + 4 international
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% 1.5%
Best for Travel rewards with zero forex and lounge access Lifetime free premium card with strong rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹5L+ per year ₹18L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
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When each card wins
Scapia Federal Bank Credit Card
Choose Card A if you're a frequent international traveler prioritizing zero forex charges and lounge access. Its 4% travel rewards via Scapia app work well for consistent overseas spending.
IDFC FIRST Wealth Credit Card
Choose Card B if you maximize online shopping and dining transactions. Its 6X points on online spends and consistent offline rewards make it ideal for your mixed spend profile.
Who should get which card
Get Scapia Federal Bank if you…
· Frequent international travelers needing zero forex fees
· Prefer travel-focused rewards with lounge access
· Want streamlined, simpler reward structure
Get IDFC FIRST Wealth if you…
· High online shopping and dining spenders
· Seek maximum rewards across multiple categories
· Want superior overall annual benefit value
· Benefit from birthday bonus multipliers
Partner offer
Roarbank RuPay Credit Card
New-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categories
Apply now →
UNITY
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, IDFC FIRST Wealth Credit Card offers better annual returns for most spend profiles.
Scapia Federal Bank Credit Card has an annual fee of Lifetime free. IDFC FIRST Wealth Credit Card has an annual fee of ₹0 (lifetime free).
Scapia Federal Bank Credit Card offers 2% value back on eligible spends; 4% on travel via Scapia app; zero forex; no rewards on utility or insurance payments (removed Feb 2026). IDFC FIRST Wealth Credit Card offers 6X reward points on online spends; 3X on offline; 10X on birthdays.
Scapia Federal Bank Credit Card lounge access: Unlimited domestic (on ₹20,000/month spend, doubled from ₹10,000 in a Feb 2026 devaluation), plus airport dining/shopping rewards and new international airport privileges on ₹50,000+ international flight bookings via the Scapia app. IDFC FIRST Wealth Credit Card lounge access: Unlimited domestic + 4 international.
Scapia Federal Bank Credit Card charges 0% forex markup. IDFC FIRST Wealth Credit Card charges 1.5% forex markup.