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Comparison · हिन्दी

Scapia Federal vs IDFC FIRST WOW

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

Last updated: September 2026 · Based on current card terms
FEDERAL
ASHOK KUMAR
VS
IDFC FIRST
WOW
ASHOK KUMAR
Our verdict
Scapia Federal Bank Credit Card wins for most people
Card A wins decisively with ₹5,760 annual benefits versus Card B's ₹960, delivering 6x more value through superior travel rewards and higher cashback rates across your spending categories.
Side-by-side comparison
Scapia Federal Bank Credit Card ✓ IDFC FIRST WOW Credit Card
Annual benefit ₹5,760 ₹960
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free Lifetime free (requires ₹20,000 Fixed Deposit with IDFC FIRST Bank)
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) 4 reward points per ₹200 on all eligible spends (0.5%); zero forex markup on all international transactions
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 None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% 0%
Best for Travel rewards with zero forex and lounge access First credit card for anyone with no credit history, FD-secured with zero forex
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹5L+ per year None required (FD-secured)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ No credit history required
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When each card wins
Scapia Federal Bank Credit Card
Choose Card A if you travel frequently or book via the Scapia app, as 4% travel rewards significantly boost returns on your ₹8,000 monthly travel spend while zero forex charges protect international transactions.
IDFC FIRST WOW Credit Card
Card B suits first-time credit card users who want simplicity and have an IDFC FIRST bank relationship, though its 0.5% base reward rate is substantially lower for your spending profile.
Who should get which card
Get Scapia Federal Bank if you…
· Travel-focused spenders maximizing 4% rewards on ₹8,000 monthly travel spend
· International travelers benefiting from zero forex markup
· Higher overall rewards (2-4%) across shopping, dining, and travel categories
· No FD requirement; completely lifetime free with superior benefits
Get IDFC FIRST WOW if you…
· First-time credit card applicants building credit history
· Existing IDFC FIRST customers with surplus FD capacity
· Those seeking simplicity over rewards optimization
· Low spenders where 0.5% flat rate suffices
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, Scapia Federal Bank Credit Card offers better annual returns for most spend profiles.
Scapia Federal Bank Credit Card has an annual fee of Lifetime free. IDFC FIRST WOW Credit Card has an annual fee of Lifetime free (requires ₹20,000 Fixed Deposit with IDFC FIRST Bank).
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 WOW Credit Card offers 4 reward points per ₹200 on all eligible spends (0.5%); zero forex markup on all international transactions.
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 WOW Credit Card lounge access: None.
Scapia Federal Bank Credit Card charges 0% forex markup. IDFC FIRST WOW Credit Card charges 0% forex markup.