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4.4/ 53 cards selected · tap any row to highlight
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Scapia Federal Bank Credit Card
Federal Bank
IDFC FIRST WOW! Credit Card
IDFC FIRST Bank
Regalia Gold Credit Card
HDFC Bank
- CardCheck Score
- 94Best
- 67
- 82
- Rating Verdict
- Elite
- Good
- Excellent
- Reward Power (35%)
- 35/35
- 24/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 4/20
- 18/20
- Forex & Access (20%)
- 14/20
- 14/20
- 12/20
- Bank
- Federal Bank
- IDFC FIRST Bank
- HDFC Bank
- Network
- RuPay
- Visa
- Mastercard
- Card type
- Co-branded
- Regular
- Premium
- Best for
- International travellers — zero forex + travel coins on every spend
- FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends)
- Travel rewards
- Joining fee
- FreeBest
- FreeBest
- ₹2,500
- Annual fee
- FreeBest
- FreeBest
- ₹2,500
- Fee waiver
- —
- —
- ₹4,00,000
- Interest-free days
- 48
- 45
- 50Best
- APR (min)
- 45%
- 8.5%Best
- 43.2%
- APR (max)
- 45%Best
- 46.2%
- 45%Best
- Late payment fee
- ₹1,000Best
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- —
- 2.5%
- Reward type
- points
- points
- points
- Min rate
- 5%Best
- 0.12%
- 1.33%
- Max rate
- 10%Best
- 2%
- 6.67%
- Points / ₹100
- —
- 3Best
- 2.67
- Point value
- ₹0.2
- ₹0.25
- ₹0.5
- Domestic lounge / qtr
- Unlimited
- —
- 3
- Lounge spend criteria
- Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards
- —
- ₹60,000 spend in preceding calendar quarter
- Intl lounge / year
- —
- —
- 6
- Priority Pass
- DreamFolks
- Forex markup
- 0%Best
- 0%Best
- 2%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Invite only
| Attribute ↓ | |||
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 94Best | 67 | 82 |
| Rating Verdict | Elite | Good | Excellent |
| Reward Power (35%) | 35/35 | 24/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 4/20 | 18/20 |
| Forex & Access (20%) | 14/20 | 14/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | Federal Bank | IDFC FIRST Bank | HDFC Bank |
| Network | RuPay | Visa | Mastercard |
| Card type | Co-branded | Regular | Premium |
| Best for | International travellers — zero forex + travel coins on every spend | FD-secured beginners — lifetime free, 0% forex, FIRST Coins (incl. up to 4X on eligible spends) | Travel rewards |
03—Fees Differences highlighted | |||
| Joining fee | FreeBest | FreeBest | ₹2,500 |
| Annual fee | FreeBest | FreeBest | ₹2,500 |
| Fee waiver | — | — | ₹4,00,000 |
| Interest-free days | 48 | 45 | 50Best |
04—Interest Differences highlighted | |||
| APR (min) | 45% | 8.5%Best | 43.2% |
| APR (max) | 45%Best | 46.2% | 45%Best |
| Late payment fee | ₹1,000Best | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | — | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | points | points | points |
| Min rate | 5%Best | 0.12% | 1.33% |
| Max rate | 10%Best | 2% | 6.67% |
| Points / ₹100 | — | 3Best | 2.67 |
| Point value | ₹0.2 | ₹0.25 | ₹0.5 |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | Unlimited | — | 3 |
| Lounge spend criteria | Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards | — | ₹60,000 spend in preceding calendar quarter |
| Intl lounge / year | — | — | 6 |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 0%Best | 0%Best | 2% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Invite only | |||
| Rows won | 08of 11 | 02of 11 | 01of 11 |
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CardCheck Comparison Index & Cardholder Ratings
Rated by verified cardholders and updated daily with zero sponsored placement bias. All fee waivers, lounge quotas, and net reward earnings are computed using official RBI MITC disclosures.
Based on 111 verified cardholder ratings
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Frequently Asked Questions: Scapia Federal Bank Credit Card vs IDFC FIRST WOW! Credit Card
Which is better: Scapia Federal Bank Credit Card or IDFC FIRST WOW! Credit Card?
Scapia Federal Bank Credit Card holds a higher overall rating with a CardCheck Score of 94/100 (Elite) compared to 67/100 (Good) for IDFC FIRST WOW! Credit Card (a lead of +27 points). Scapia Federal Bank Credit Card gains its scoring lead primarily through lounge & travel privileges (20 vs 4) and reward potential (35 vs 24) while tying on fee value & ROI and forex & terms.
How do annual fees and fee waiver spend rules compare?
Scapia Federal Bank Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, IDFC FIRST WOW! Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
How do the reward rates and cashback compare between Scapia Federal Bank Credit Card and IDFC FIRST WOW! Credit Card?
Scapia Federal Bank Credit Card offers a base reward rate of 5% and up to 10% on accelerated partner categories. Meanwhile, IDFC FIRST WOW! Credit Card offers a base rate of 0.12% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Scapia Federal Bank Credit Card or IDFC FIRST WOW! Credit Card?
Scapia Federal Bank Credit Card provides unlimited complimentary domestic airport lounge access (requires ₹20,000 spend in the previous period to unlock). On the other hand, IDFC FIRST WOW! Credit Card provides no complimentary airport lounge access.
Which card is better for international foreign currency spends?
Scapia Federal Bank Credit Card levies a foreign currency markup fee of 0%, while IDFC FIRST WOW! Credit Card charges 0%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).