PNB RuPay Select vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
PNB RuPay Select
Punjab National Bank
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹750 vs FREE
Effective Rate
(cash value)
0.5% vs 2.0%
Lounge Access
2/quarter vs Unlimited
Detailed Comparison
| Feature | PNB RuPay Select | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | FREE |
| Annual Fee | ₹750 | FREE |
| Fee Waiver | Use once per quarter | None |
| Forex Markup | 3.5% | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.47% | 2% |
Lounge Access | ||
| Domestic Lounges | 2/quarter | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.6L | ₹4.0L |
PNB RuPay Select is Best For
PSU bank customers wanting lounge access + insurance
Watch Out
- • Low reward rate compared to private bank cards
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: 18vsScore: 73
