HDFC Diners Club Black vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
HDFC Diners Club Black
HDFC Bank
Super PremiumVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹10K vs FREE
Effective Rate
(cash value)
1.7% vs 2.0%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | HDFC Diners Club Black | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹10K | FREE |
| Annual Fee | ₹10K | FREE |
| Fee Waiver | Spend ₹5L annually | None |
| Forex Markup | 2% | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 2% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹15.0L | ₹4.0L |
HDFC Diners Club Black is Best For
High spenders at large merchants
Watch Out
- • Diners Club has limited acceptance in India
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: 65vsScore: 73
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