Citi Cashback vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
Citi Cashback
Citibank
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹500 vs FREE
Effective Rate
(cash value)
0.5% vs 2.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | Citi Cashback | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | FREE |
| Annual Fee | ₹500 | FREE |
| Fee Waiver | Spend ₹50K annually | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 0.5% | 2% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹4.0L |
Citi Cashback is Best For
Utility bill payers
Watch Out
- • Citi exited India, cards managed by Axis
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: 17vsScore: 73
