- Annual fee ₹10,000 Waivable at ₹5,00,000 spend
- Forex markup 2%
- Domestic lounge Unlimited
Pairwise comparison
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HDFC Bank Diners Club Black vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Diners Club Black and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.
Travel Federal Bank Scapia Forex Federal Bank Scapia Low fee Federal Bank Scapia
Quick comparison
Three core metrics- Annual fee ₹0 Lifetime free
- Forex markup 0%
- Domestic lounge Unlimited
Reward earning explained
Per card5 pts / ₹150 on General spend
Limited dataBase rewards on regular spend
Pick based on what matters
6 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Diners Club Black: ₹10,000 vs Federal Bank Scapia: ₹0), forex markup (2% vs 0%), or lounge access (Unlimited vs Unlimited).
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Travel Federal Bank Scapia wins Federal Bank Scapia is better for travel
Federal Bank Scapia is stronger here. Forex markup is 0%.
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Forex markup Federal Bank Scapia wins Federal Bank Scapia is better for forex
Federal Bank Scapia is stronger here. Forex markup is 0%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited.
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Rewards Insufficient data Insufficient data to compare rewards
Only HDFC Bank Diners Club Black has comparable evidence here. Estimated base reward value is ~3.3% on base spend.
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Annual fee Federal Bank Scapia wins Federal Bank Scapia is better for fees
Federal Bank Scapia is stronger here. Annual fee is ₹0.
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upi Tie Both cards are similar for UPI usage
Diners Club network does not support UPI payments. Visa network does not support UPI payments.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Diners Club Black: ~₹1,670/month at base rate
- Scapia: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Diners Club Black HDFC Bank | Scapia Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| International lounge visits Only available for Diners Club Black | 6/year | Not specified |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 0% | 2% | 0% |
| Fees | ||
| Annual fee ₹10,000 vs ₹0 | ₹10,000 | ₹0 |
| Joining fee ₹10,000 vs ₹0 | ₹10,000 | ₹0 |
| Fee waiver spend Only available for Diners Club Black | ₹5,00,000 | Not specified |
| Rewards | ||
| Points per ₹150 Only available for Diners Club Black | 5 pts | Not specified |
| Point cash value ₹1 vs ₹0.2 | ₹1 | ₹0.2 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.