HDFC Infinia Metal vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
HDFC Infinia Metal
HDFC Bank
Super PremiumVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹13K vs FREE
Effective Rate
(cash value)
1.7% vs 2.0%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | HDFC Infinia Metal | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹13K | FREE |
| Annual Fee | ₹13K | FREE |
| Fee Waiver | Spend ₹10L 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 | ₹24.0L | ₹4.0L |
HDFC Infinia Metal is Best For
Premium travelers spending ₹10L+/year
Watch Out
- • Invite-only card
- • SmartBuy portal needed for max value
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: 66vsScore: 73
