India card comparison
IDFC FIRST Select Credit Card vs Scapia Federal Bank Credit Card
The IDFC FIRST Select and the Scapia Federal Bank Credit Card are the two zero-annual-fee Indian cards with airport lounge benefits. Both include some level of domestic lounge access via Visa Airport Companion or Mastercard Travel Pass. The decision is between the cards' broader features (banking integration, reward structure, foreign transaction fees).
Last reviewed: . Card information is summarized from issuer benefit pages and is reviewed periodically. Always verify current terms with the issuer before applying.
IDFC FIRST Bank
IDFC FIRST Select Credit Card
Federal Bank
Scapia Federal Bank Credit Card
Side-by-side comparison
| Dimension | IDFC FIRST Select Credit Card | Scapia Federal Bank Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | Federal Bank |
| Issuing country | India | India |
| Annual fee | Free | Free |
| Lounge networks |
|
|
| Lounges this card opens (tracked) | 21 lounges across 7 airports | 21 lounges across 7 airports |
| Guest policy | Cardholder only | Cardholder only |
| Credit score | Excellent (750+) | Good/Excellent (Age 21-65) |
| Purchase APR | 0.75 - 3.5% per month | 41.88% p.a. (3.49% per month) |
Who should pick which
Pick the IDFC if
Best for cardholders who want IDFC banking integration and a no-fee card with quarterly domestic lounge visits.
See full IDFC FIRST Select Credit Card detailsPick the Scapia if
Best for travelers who want a no-fee card with strong forex pricing for international travel and Scapia's travel-only rewards structure.
See full Scapia Federal Bank Credit Card detailsStrengths and trade-offs
IDFC FIRST Select Credit Card
Strengths
- Lifetime Free (No annual fee)
- 2 Complimentary Domestic Lounge visits/quarter
- 4 Complimentary Railway Lounge visits/quarter
Trade-offs
- Lounge access based on minimum monthly spend (₹20,000)
- Reward redemption fee applies
- Invite only or basis income eligibility
Scapia Federal Bank Credit Card
Strengths
- Lifetime Free (Zero Joining/Annual Fees)
- Zero Forex Markup on international spends
- Unlimited Domestic Lounge access (with monthly spend check)
- Instant Redemption on Travel (1 Coin = ₹0.20)
Trade-offs
- Lounge access requires ₹20,000 monthly spend in preceding month
- Rewards valid only for Travel redemption on App
- Strict eligibility (Age 21-65 Salaried / 25-65 Self)
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