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IDFC FIRST Wealth Credit Card VS Scapia Federal Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 22 July 2026

Both IDFC FIRST Wealth Credit Card and Scapia Federal Credit Card suit travel-focused spenders, but they earn and cost differently. IDFC FIRST Wealth Credit Card is lifetime-free and earns 10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25. Scapia Federal Credit Card is lifetime-free and earns 20% Scapia Coins (4% value) on travel, 10% (2% value) on other spends, 5% on UPI. IDFC FIRST Wealth Credit Card also brings 2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend), while Scapia Federal Credit Card counters with unlimited domestic lounge access, unlocked with ₹20,000 combined monthly spend on Scapia Card. If premium spending matters more, go with IDFC FIRST Wealth Credit Card; if travel is the priority, Scapia Federal Credit Card fits better.

IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card
Scapia Federal Credit Card
Scapia Federal Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNot Applicable
Spend Based Waiver
Foreign Transaction Fees1.5% (+ GST) on international transactions.
Foreign Transaction Fees0%
Interest Rate (APR)Dynamic interest rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).
Interest Rate (APR)3.75% per month

Rewards & Benefits

Welcome Bonus₹500 gift voucher on spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Welcome Bonus
Rewards Rate10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Rewards RateEarn 20% Scapia Coins (4% value) on travel, 10% (2% value) on other spends, 5% on UPI.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
Domestic Lounge AccessUnlimited domestic lounge access, unlocked with ₹20,000 combined monthly spend on Scapia Card.
International Lounge Access2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge Access
Travel Benefits1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Travel BenefitsBest prices, FlexiFly, 24x7 support, access to global airlines, 5L+ stays & 22K+ experiences.
Movie BenefitsBuy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Movie Benefits
Dining BenefitsUp to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Dining BenefitsUp to ₹1,000 back on dining at domestic airports with ₹20,000 monthly spend.
Golf BenefitsUp to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).
Fuel Surcharge Waiver1% waiver on fuel transactions up to ₹5,000.

Security & Other

Insurance Benefits₹1 Crore air accident cover, ₹10 Lakh personal accident cover, and USD 1,200 travel insurance.
Insurance Benefits
Cash Advance Charges₹199 + GST per transaction with 0% interest for up to 45 days.
Cash Advance Charges2.5% of amount withdrawn or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC FIRST Wealth Credit Card

Scapia Federal Credit Card

Who is it for?

The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering a unique dynamic interest rate starting at 8.5% and a low 1.5% forex markup. It features comprehensive luxury benefits including global lounge access, complimentary golf, and a robust reward program with points that never expire, making it an ideal choice for high-income earners seeking lifestyle and travel privileges.

Who is it for?

The Scapia Credit Card, in partnership with Federal Bank and BOBCARD, is a travel-focused card with zero joining and annual fees. It offers a 0% foreign currency markup and up to 20% Scapia Coins on travel bookings via its app. Ideal for frequent domestic and international travellers, it provides unlimited domestic lounge access on a reasonable monthly spend. This card is perfect for those prioritizing seamless travel experiences and value-driven rewards.

Pros

Key benefits and features.

Lifetime-free credit card with no joining or annual membership charges forever.

Extremely low foreign currency markup of 1.5% for international transactions.

Interest-free cash withdrawals for up to 45 days providing excellent liquidity.

Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.

Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.

Pros

Key benefits and features.

Lifetime free credit card with zero joining and annual fees.

Zero foreign currency markup on all international spends.

Strong reward rate for travel bookings (20% Scapia Coins, equivalent to 4% value).

Unlimited domestic airport lounge access with a reasonable monthly spend threshold of ₹20,000.

No-cap redemption policy for Scapia Coins against travel bookings on the Scapia app.

Cons

Key drawbacks and limitations.

Low monetary value for reward points fixed at a base rate of ₹0.25 per point.

Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.

High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.

Cons

Key drawbacks and limitations.

Scapia Coins can only be redeemed for travel bookings via the Scapia app.

Unlimited airport lounge access is conditional on a minimum monthly spending requirement.

Rewards are not earned on international transactions.

A processing fee may apply for converting to the EMI option.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IDFC FIRST Wealth Credit Card(opens in new tab)Apply for Scapia Federal Credit Card(opens in new tab)