Scapia Federal Bank Credit Card vs IDFC FIRST Millennia Credit Card
Federal Bank · IDFC FIRST Bank — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Federal BankScoreElite
Annual FeeFree
Max Reward10%
IDFC FIRST BankScoreVery Good
Annual FeeFree
Max Reward2.5%
Scapia Federal Bank Credit Card leads overall with a CardCheck Score of 94/100 (+15 pts over IDFC FIRST Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
Scapia vs IDFCReward Power
35%Scapia35/35
IDFC24/35
Scapia Wins
Fee Value & ROI
25%Scapia25/25
IDFC25/25
Tie (25/25)
Lounge & Travel
20%Scapia20/20
IDFC18/20
Scapia Wins
Forex & Access
20%Scapia14/20
IDFC12/20
Scapia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 94Best
- 79
- Rating Verdict
- Elite
- Very Good
- Reward Power (35%)
- 35/35
- 24/35
- Fee Value & ROI (25%)
- 25/25
- 25/25
- Lounge & Travel (20%)
- 20/20
- 18/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- Federal Bank
- IDFC FIRST Bank
- Network
- RuPay
- Visa
- Card type
- Co-branded
- Regular
- Best for
- International travellers — zero forex + travel coins on every spend
- Lifetime-free millennial card — 5X on online spends, low interest, zero fee
03—Fees
- Joining fee
- Free
- Free
- Annual fee
- Free
- Free
- Interest-free days
- 48Best
- 45
04—Interest
- APR (min)
- 45%
- 8.5%Best
- APR (max)
- 45%Best
- 46.2%
- Late payment fee
- ₹1,000Best
- ₹1,300
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 5%Best
- 0.75%
- Max rate
- 10%Best
- 2.5%
- Points / ₹100
- —
- 0.75
- Point value
- ₹0.2
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- 4
- Lounge spend criteria
- Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards
- No spend condition
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 0%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹30,000
- ₹25,000
- Invite only
Rows won
07of 08
01of 08
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 94Best | 79 |
| Rating Verdict | Elite | Very Good |
| Reward Power (35%) | 35/35 | 24/35 |
| Fee Value & ROI (25%) | 25/25 | 25/25 |
| Lounge & Travel (20%) | 20/20 | 18/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Federal Bank | IDFC FIRST Bank |
| Network | RuPay | Visa |
| Card type | Co-branded | Regular |
| Best for | International travellers — zero forex + travel coins on every spend | Lifetime-free millennial card — 5X on online spends, low interest, zero fee |
03—Fees Differences highlighted | ||
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Interest-free days | 48Best | 45 |
04—Interest Differences highlighted | ||
| APR (min) | 45% | 8.5%Best |
| APR (max) | 45%Best | 46.2% |
| Late payment fee | ₹1,000Best | ₹1,300 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 5%Best | 0.75% |
| Max rate | 10%Best | 2.5% |
| Points / ₹100 | — | 0.75 |
| Point value | ₹0.2 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | 4 |
| Lounge spend criteria | Unlocks on combined monthly spend of ₹20,000 across Visa and RuPay cards | No spend condition |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 0%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹30,000 | ₹25,000 |
| Invite only | ||
| Rows won | 07of 08 | 01of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Scapia Federal Bank Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| CardCheck Score | 94/100Elite | 79/100Very Good |
| Annual Fee | Free (₹0) | Free (₹0) |
| Fee Waiver Spend | No waiver | No waiver |
| Max Reward Potential | 10% | 2.5% |
| Domestic Lounge Access | Unlimited | 4 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 0% | 3.5% |
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 IDFC FIRST Millennia Credit Card if:
Your spending aligns with lifetime-free millennial card — 5x on online spends, low interest, zero fee and you prioritize IDFC FIRST Bank's redemption benefits.
Frequently asked questions: Scapia Federal Bank Credit Card vs IDFC FIRST Millennia Credit Card
- Which is better: Scapia Federal Bank Credit Card or IDFC FIRST Millennia 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 IDFC FIRST Millennia Credit Card (a lead of +15 points). Scapia Federal Bank Credit Card gains its scoring lead primarily through reward potential (35 vs 24) and lounge & travel privileges (20 vs 18) while tying on fee value & ROI.
- 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 Millennia 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 Millennia 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 Millennia Credit Card offers a base rate of 0.75% and up to 2.5% 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 Millennia 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 Millennia Credit Card provides 4 complimentary domestic lounge visits per quarter (16/year).
- 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 Millennia Credit Card charges 3.5%. 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).