Amex Membership Rewards Card vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
Amex Membership Rewards Card
American Express
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹5K vs FREE
Effective Rate
(cash value)
0.7% vs 2.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | Amex Membership Rewards Card | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | FREE |
| Annual Fee | ₹5K | FREE |
| Fee Waiver | None | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.7% | 2% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹4.0L |
Amex Membership Rewards Card is Best For
Regular spenders making 4+ transactions/month
Watch Out
- • Fuel excluded from Jun 2025
Scapia Federal Credit Card is Best For
Best zero forex + zero fee travel card
Watch Out
- • No international lounge access
- • No rewards on international spends
Our Verdict
Based on overall features and value,
Scapia Federal Credit Card wins!
Score: 21vsScore: 73
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