Scapia Federal Bank Credit Card vs Regalia Gold Credit Card
Federal Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Federal BankScoreElite
Annual FeeFree
Max Reward10%
HDFC BankScoreExcellent
Annual Fee₹2,500
Max Reward6.67%
Scapia Federal Bank Credit Card leads overall with a CardCheck Score of 94/100 (+12 pts over Regalia Gold Credit Card).
4-Pillar Head-to-Head Breakdown
Scapia vs RegaliaReward Power
35%Scapia35/35
Regalia34/35
Scapia Wins
Fee Value & ROI
25%Scapia25/25
Regalia18/25
Scapia Wins
Lounge & Travel
20%Scapia20/20
Regalia18/20
Scapia Wins
Forex & Access
20%Scapia14/20
Regalia12/20
Scapia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 94Best
- 82
- Rating Verdict
- Elite
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 25/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 18/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- Federal Bank
- HDFC Bank
- Network
- RuPay
- Mastercard
- Card type
- Co-branded
- Premium
- Best for
- International travellers — zero forex + travel coins on every spend
- Travel rewards
03—Fees
- Joining fee
- FreeBest
- ₹2,500
- Annual fee
- FreeBest
- ₹2,500
- Fee waiver
- —
- ₹4,00,000
- Interest-free days
- 48
- 50Best
04—Interest
- APR (min)
- 45%
- 43.2%Best
- APR (max)
- 45%
- 45%
- Late payment fee
- ₹1,000Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 5%Best
- 1.33%
- Max rate
- 10%Best
- 6.67%
- Points / ₹100
- —
- 2.67
- Point value
- ₹0.2
- ₹0.5
06—Travel & Lounge
- 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
- Forex markup
- 0%Best
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 23
- 21
- Min income / month
- ₹30,000
- ₹1,00,000
- Min CIBIL
- —
- 750
- Invite only
Rows won
07of 09
02of 09
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 94Best | 82 |
| Rating Verdict | Elite | Excellent |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 25/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 18/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Federal Bank | HDFC Bank |
| Network | RuPay | Mastercard |
| Card type | Co-branded | Premium |
| Best for | International travellers — zero forex + travel coins on every spend | Travel rewards |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹2,500 |
| Annual fee | FreeBest | ₹2,500 |
| Fee waiver | — | ₹4,00,000 |
| Interest-free days | 48 | 50Best |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 43.2%Best |
| APR (max) | 45% | 45% |
| Late payment fee | ₹1,000Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 5%Best | 1.33% |
| Max rate | 10%Best | 6.67% |
| Points / ₹100 | — | 2.67 |
| Point value | ₹0.2 | ₹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 | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 23 | 21 |
| Min income / month | ₹30,000 | ₹1,00,000 |
| Min CIBIL | — | 750 |
| Invite only | ||
| Rows won | 07of 09 | 02of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Scapia Federal Bank Credit Card | Regalia Gold Credit Card |
|---|---|---|
| CardCheck Score | 94/100Elite | 82/100Excellent |
| Annual Fee | Free (₹0) | ₹2,500 |
| Fee Waiver Spend | No waiver | ₹4L/yr |
| Max Reward Potential | 10% | 6.67% |
| Domestic Lounge Access | Unlimited | 3 / quarter |
| International Lounge | None | 6 / year |
| Forex Markup Fee | 0% | 2% |
Choose Scapia Federal Bank Credit Card if:
Your spending centers around international travellers — zero forex + travel coins on every spend and you want direct partner rewards with Federal Bank.
Choose Regalia Gold Credit Card if:
Your spending aligns with travel rewards and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Scapia Federal Bank Credit Card vs Regalia Gold Credit Card
- Which is better: Scapia Federal Bank Credit Card or Regalia Gold Credit Card?
- Scapia Federal Bank Credit Card holds a higher overall rating with a CardCheck Score of 94/100 (Elite) compared to 82/100 (Excellent) for Regalia Gold Credit Card (a lead of +12 points). Scapia Federal Bank Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- 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, Regalia Gold Credit Card charges an annual fee of ₹2,500 with an annual spend threshold of ₹4 Lakh.
- How do the reward rates and cashback compare between Scapia Federal Bank Credit Card and Regalia Gold Credit Card?
- Scapia Federal Bank Credit Card offers a base reward rate of 5% and up to 10% on accelerated partner categories. Meanwhile, Regalia Gold Credit Card offers a base rate of 1.33% and up to 6.67% 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 Regalia Gold Credit Card?
- Scapia Federal Bank Credit Card provides unlimited complimentary domestic airport lounge access (requires ₹20,000 spend across cards to unlock). On the other hand, Regalia Gold Credit Card provides 3 complimentary domestic lounge visits per quarter (12/year) and 6 international lounge visits/year with Priority Pass (₹60,000 spend in preceding calendar quarter).
- Which card is better for international foreign currency spends?
- Scapia Federal Bank Credit Card levies a foreign currency markup fee of 0%, while Regalia Gold Credit Card charges 2%. 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).