SBI Card PRIME vs Scapia Federal Credit Card
Detailed comparison of these two popular credit cards
SBI Card PRIME
SBI Card
Mid-RangeVS
Winner
Scapia Federal Credit Card
Federal Bank
Mid-RangeAnnual Fee
₹3K vs FREE
Effective Rate
(cash value)
0.5% vs 2.0%
Lounge Access
2/quarter vs Unlimited
Detailed Comparison
| Feature | SBI Card PRIME | Scapia Federal Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹3K | FREE |
| Annual Fee | ₹3K | FREE |
| Fee Waiver | Spend ₹3L annually | None |
| Forex Markup | - | 0% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.5% | 2% |
Lounge Access | ||
| Domestic Lounges | 2/quarter | Unlimited |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹4.0L |
SBI Card PRIME is Best For
Dining & grocery heavy spenders
Watch Out
- • Air insurance discontinued Jul 2025
- • Club ITC Silver added Sep 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: 32vsScore: 73
