RBL IndianOil XTRA vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
RBL IndianOil XTRA
RBL Bank
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-Range*
Different Reward Types
Card 1 gives ⛽ Fuel Points while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹2K vs FREE
Effective Rate
(cash value)
0.3% vs 2.0%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | RBL IndianOil XTRA | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹2K | FREE |
| Annual Fee | ₹2K | FREE |
| Fee Waiver | Spend ₹2.75L annually | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 0.25% | 2% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹4.0L |
RBL IndianOil XTRA is Best For
IndianOil fuel users
Watch Out
- • Max benefit ₹400/month on fuel
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: 17vsScore: 73
