- Annual fee ₹10,000 Waivable at ₹5,00,000 spend
- Forex markup 2%
- Domestic lounge Not specified
Pairwise comparison
Compare 3+ cards →
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 Rewards Federal Bank Scapia
Quick comparison
Three core metrics- Annual fee ₹0 Lifetime free
- Forex markup 0%
- Domestic lounge Not specified Conditional · Domestic: Unlimited · requires ₹20,000 spend in the previous month
Reward earning explained
Per card5 pts / ₹150
Limited data10 Scapia Coins / ₹100
Limited dataPick based on what matters
4 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 (Not specified vs Not specified).
-
Travel Federal Bank Scapia wins Federal Bank Scapia is better for travel
Federal Bank Scapia is stronger here. Forex markup is 0%.
-
Forex markup Federal Bank Scapia wins Federal Bank Scapia is better for forex
Federal Bank Scapia is stronger here. Forex markup is 0%.
-
Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited.
-
Rewards Federal Bank Scapia wins Federal Bank Scapia is better for rewards
Federal Bank Scapia is stronger here. Federal Bank Scapia conservative base value ~2% vs HDFC Bank Diners Club Black's ~1%.
HDFC Bank Diners Club Black
Confidence: Low (limited information available)
Verify with issuer , opens external siteFederal Bank Scapia
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- Scapia: ~₹1,000/month at base rate
- Diners Club Black: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Diners Club Black HDFC Bank | Scapia Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Missing for one or more cards | Not specified | Not specified |
| Forex / International Use | ||
| Forex markup 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 |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Rewards | ||
| Base earn Some reward lanes are only partially modelled — base rate only for comparison. 5 pts / ₹150 vs 10 Scapia Coins / ₹100 | 5 pts / ₹150 | 10 Scapia Coins / ₹100 |
| Conservative base value ~1% vs ~2% | ~1% | ~2% |
| Payment network rates Only available for Scapia | Not specified | RuPay: 5 Scapia Coins / ₹100 · Min ₹500 per transaction |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. ₹1 vs ₹0.2 | ₹1 | ₹0.2 |
| Point validity Only available for Diners Club Black | 2 years | Not specified |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.