HDFC Millennia vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
HDFC Millennia
HDFC Bank
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
₹1K vs FREE
Effective Rate
(cash value)
1.0% vs 2.0%
Lounge Access
8/year vs Unlimited
Detailed Comparison
| Feature | HDFC Millennia | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | FREE |
| Annual Fee | ₹1K | FREE |
| Fee Waiver | Spend ₹1L annually | None |
| Forex Markup | 3.5% | 0% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 2% |
Lounge Access | ||
| Domestic Lounges | 8/year | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹4.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
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: 34vsScore: 73
