IRCTC BOB RuPay Credit Card vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
IRCTC BOB RuPay Credit Card
Bank of Baroda
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹350 vs FREE
Effective Rate
(cash value)
0.5% vs 2.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | IRCTC BOB RuPay Credit Card | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | FREE |
| Annual Fee | ₹350 | FREE |
| Fee Waiver | Spend ₹50K annually | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.5% | 2% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹4.0L |
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: 19vsScore: 73
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