ACE Credit Card vs Scapia Federal Bank Credit Card
Axis Bank · Federal Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreVery Good
Annual Fee₹499
Max Reward5%
Federal BankScoreElite
Annual FeeFree
Max Reward10%
Scapia Federal Bank Credit Card leads overall with a CardCheck Score of 94/100 (+15 pts over ACE Credit Card).
4-Pillar Head-to-Head Breakdown
ACE vs ScapiaReward Power
35%ACE34/35
Scapia35/35
Scapia Wins
Fee Value & ROI
25%ACE22/25
Scapia25/25
Scapia Wins
Lounge & Travel
20%ACE11/20
Scapia20/20
Scapia Wins
Forex & Access
20%ACE12/20
Scapia14/20
Scapia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 79
- 94Best
- Rating Verdict
- Very Good
- Elite
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 22/25
- 25/25
- Lounge & Travel (20%)
- 11/20
- 20/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- Axis Bank
- Federal Bank
- Network
- Visa
- RuPay
- Card type
- Regular
- Co-branded
- Best for
- Cashback on utility bills via Google Pay and daily spending
- International travellers — zero forex + travel coins on every spend
03—Fees
- Joining fee
- ₹499
- FreeBest
- Annual fee
- ₹499
- FreeBest
- Fee waiver
- ₹2,00,000
- —
- Interest-free days
- 50Best
- 48
04—Interest
- APR (min)
- 55.55%
- 45%Best
- APR (max)
- 55.55%
- 45%Best
- Late payment fee
- ₹1,300
- ₹1,000Best
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 1.5%
- 5%Best
- Max rate
- 5%
- 10%Best
- Point value
- —
- ₹0.2
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- Unlimited
- Lounge spend criteria
- ₹50,000 spend in the previous 3 calendar months.
- Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 0%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹25,000
- ₹30,000
- Invite only
Rows won
01of 10
09of 10
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 79 | 94Best |
| Rating Verdict | Very Good | Elite |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 22/25 | 25/25 |
| Lounge & Travel (20%) | 11/20 | 20/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | Federal Bank |
| Network | Visa | RuPay |
| Card type | Regular | Co-branded |
| Best for | Cashback on utility bills via Google Pay and daily spending | International travellers — zero forex + travel coins on every spend |
03—Fees Differences highlighted | ||
| Joining fee | ₹499 | FreeBest |
| Annual fee | ₹499 | FreeBest |
| Fee waiver | ₹2,00,000 | — |
| Interest-free days | 50Best | 48 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 45%Best |
| APR (max) | 55.55% | 45%Best |
| Late payment fee | ₹1,300 | ₹1,000Best |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 1.5% | 5%Best |
| Max rate | 5% | 10%Best |
| Point value | — | ₹0.2 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | Unlimited |
| Lounge spend criteria | ₹50,000 spend in the previous 3 calendar months. | Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 0%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹25,000 | ₹30,000 |
| Invite only | ||
| Rows won | 01of 10 | 09of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | ACE Credit Card | Scapia Federal Bank Credit Card |
|---|---|---|
| CardCheck Score | 79/100Very Good | 94/100Elite |
| Annual Fee | ₹499 | Free (₹0) |
| Fee Waiver Spend | ₹2L/yr | No waiver |
| Max Reward Potential | 5% | 10% |
| Domestic Lounge Access | 1 / quarter | Unlimited |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 0% |
Choose ACE Credit Card if:
Your spending centers around cashback on utility bills via google pay and daily spending and you want direct partner rewards with Axis Bank.
Choose Scapia Federal Bank Credit Card if:
Your spending aligns with international travellers — zero forex + travel coins on every spend and you prioritize Federal Bank's redemption benefits.
Frequently asked questions: ACE Credit Card vs Scapia Federal Bank Credit Card
- Which is better: ACE Credit Card or Scapia Federal Bank Credit Card?
- Scapia Federal Bank Credit Card holds a higher overall rating with a CardCheck Score of 94/100 (Elite) compared to 79/100 (Very Good) for ACE Credit Card (a lead of +15 points). Scapia Federal Bank Credit Card gains its scoring lead primarily through lounge & travel privileges (20 vs 11) and fee value & ROI (25 vs 22).
- How do annual fees and fee waiver spend rules compare?
- ACE Credit Card charges an annual fee of ₹499 with an annual spend threshold of ₹2 Lakh for renewal fee waiver. In comparison, Scapia Federal Bank 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 ACE Credit Card and Scapia Federal Bank Credit Card?
- ACE Credit Card offers a base reward rate of 1.5% and up to 5% on accelerated partner categories. Meanwhile, Scapia Federal Bank Credit Card offers a base rate of 5% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: ACE Credit Card or Scapia Federal Bank Credit Card?
- ACE Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (₹50,000 spend in the previous 3 calendar months.). On the other hand, Scapia Federal Bank Credit Card provides unlimited complimentary domestic airport lounge access (requires ₹20,000 spend in the previous period to unlock).
- Which card is better for international foreign currency spends?
- ACE Credit Card levies a foreign currency markup fee of 3.5%, while Scapia Federal Bank 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).