IDFC FIRST Select vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
IDFC FIRST Select
IDFC FIRST Bank
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
FREE vs FREE
Effective Rate
(cash value)
0.8% vs 2.0%
Lounge Access
1/quarter (₹20K spend required from Apr 2026) vs Unlimited
Detailed Comparison
| Feature | IDFC FIRST Select | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | FREE |
| Annual Fee | FREE | FREE |
| Fee Waiver | None | None |
| Forex Markup | 1.99% | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.75% | 2% |
Lounge Access | ||
| Domestic Lounges | 1/quarter (₹20K spend required from Apr 2026) | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹12.0L | ₹4.0L |
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
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: 41vsScore: 73
