IRCTC SBI Card Premier vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
IRCTC SBI Card Premier
SBI Card
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹1K vs FREE
Effective Rate
(cash value)
0.8% vs 2.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | IRCTC SBI Card Premier | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | FREE |
| Annual Fee | ₹1K | FREE |
| Fee Waiver | Spend ₹2L annually | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.8% | 2% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹4.0L | ₹4.0L |
IRCTC SBI Card Premier is Best For
Frequent train travelers (AC class)
Watch Out
- • Peak season (Apr-Jul, Sep-Jan) only 4% value back
- • Rail/Air insurance discontinued Jul 2025
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: 23vsScore: 73
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