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RBL World Safari 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: 18 July 2026

Both Scapia Federal Credit Card and RBL World Safari Credit Card suit travel-focused spenders, but they earn and cost differently. 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. RBL World Safari Credit Card costs ₹3,000 + GST and earns 5 Travel Points on every ₹100 spent on travel; 2 Travel Points on every ₹100 on other domestic retail spends. Scapia Federal Credit Card also brings unlimited domestic lounge access, unlocked with ₹20,000 combined monthly spend on Scapia Card, while RBL World Safari Credit Card counters with 2 complimentary airport lounge accesses within India per quarter on ₹35,000 spend in previous quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.

RBL World Safari Credit Card
RBL World Safari Credit Card
Scapia Federal Credit Card
Scapia Federal Credit Card

Fees & Charges

Joining Fee₹3,000 + GST
Joining FeeLifetime Free
Renewal Fee₹3,000 + GST
Renewal FeeLifetime Free
Spend Based WaiverNil
Spend Based Waiver
Foreign Transaction FeesNil (0% markup on international spending).
Foreign Transaction Fees0%
Interest Rate (APR)3.99% per month (equivalent to 47.88% per annum).
Interest Rate (APR)3.75% per month

Rewards & Benefits

Welcome BonusReceive a MakeMyTrip voucher worth ₹3,000 as a welcome gift.
Welcome Bonus
Rewards RateEarn 5 Travel Points on every ₹100 spent on travel; 2 Travel Points on every ₹100 on other domestic retail spends.
Rewards RateEarn 20% Scapia Coins (4% value) on travel, 10% (2% value) on other spends, 5% on UPI.
Reward TypeAir Miles
Reward TypeReward Points
Reward Redemption Fee₹99 + GST (a one-time fee charged for redemptions made in a single day).
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access2 complimentary airport lounge accesses within India per quarter on ₹35,000 spend in previous quarter.
Domestic Lounge AccessUnlimited domestic lounge access, unlocked with ₹20,000 combined monthly spend on Scapia Card.
International Lounge Access2 complimentary international lounge visits per year via Priority Pass; 1 additional per quarter on ₹50,000 spend.
International Lounge Access
Travel BenefitsZero foreign currency markup, complimentary travel insurance, and extensive lounge access.
Travel BenefitsBest prices, FlexiFly, 24x7 support, access to global airlines, 5L+ stays & 22K+ experiences.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsUp to ₹1,000 back on dining at domestic airports with ₹20,000 monthly spend.
Golf Benefits4 complimentary rounds of green fee and 4 golf lessons annually; 50% discount after complimentary visits.
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500-₹4,000, max ₹250/month.
Fuel Surcharge Waiver1% waiver on fuel transactions up to ₹5,000.

Security & Other

Insurance BenefitsComplimentary travel insurance cover up to USD 50,000 for international travels.
Insurance Benefits
Cash Advance Charges2.5% of the withdrawal amount, subject to a minimum charge of ₹500.
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.

RBL World Safari Credit Card

Scapia Federal Credit Card

Who is it for?

The RBL World Safari Credit Card is a premium travel card designed for frequent international travelers. It offers a unique zero foreign currency markup fee, extensive complimentary lounge access, and comprehensive travel insurance. Cardholders can earn rewarding travel points on various spends and unlock significant milestone benefits. This card is ideal for those seeking to maximize savings and comfort on their global adventures.

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.

Zero Forex Markup charges make it excellent for international transactions, saving on currency conversion fees.

Provides complimentary international travel insurance, covering various travel-related emergencies.

Includes extensive complimentary domestic and international airport lounge access, enhancing the travel comfort.

Attractive milestone rewards offer up to 25,000 bonus travel points and a ₹10,000 gift voucher annually on spend.

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.

No reward points for international spends, despite zero forex markup, limits its appeal for overseas rewards.

The annual fee of ₹3,000 + GST is relatively high and lacks an easy spend-based waiver condition.

Domestic lounge access is conditional on quarterly spending, not truly complimentary for all users.

A redemption fee of ₹99 + GST is charged for redeeming reward points, which can add up over time.

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 RBL World Safari Credit Card(opens in new tab)Apply for Scapia Federal Credit Card(opens in new tab)