- Annual fee ₹1,499 Waivable at ₹3,00,000 spend
- Forex markup 2%
- Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter
Pairwise comparison
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HDFC Bank Tata Neu Infinity RuPay vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay 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 upi HDFC Bank Tata Neu Infinity RuPay
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 card1.5 NeuCoins / ₹100 · Up to 5 NeuCoins / ₹100 on BigBasket
Limited data10 Scapia Coins / ₹100
Limited dataPick based on what matters
5 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Tata Neu Infinity RuPay: ₹1,499 vs Federal Bank Scapia: ₹0), forex markup (2% vs 0%), or lounge access (8/year (2 per quarter) vs Not specified).
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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 2 per quarter. Domestic lounge access is unlimited.
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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 Tata Neu Infinity RuPay's ~1.5%.
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upi HDFC Bank Tata Neu Infinity RuPay wins HDFC Bank Tata Neu Infinity RuPay is better for UPI usage
HDFC Bank Tata Neu Infinity RuPay is stronger here. Supports UPI via RuPay network.
HDFC Bank Tata Neu Infinity RuPay
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
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Scapia Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Only available for Tata Neu Infinity HDFC Bank | 8/year (2 per quarter) | Not specified |
| International lounge visits Only available for Tata Neu Infinity HDFC Bank | 4/year | Not specified |
| Forex / International Use | ||
| Forex markup 2% vs 0% | 2% | 0% |
| Fees | ||
| Annual fee ₹1,499 vs ₹0 | ₹1,499 | ₹0 |
| Joining fee ₹1,499 vs ₹0 | ₹1,499 | ₹0 |
| Fee waiver spend Only available for Tata Neu Infinity HDFC Bank | ₹3,00,000 | Not specified |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Rewards | ||
| Points per ₹100 Some reward lanes are only partially modelled — base rate only for comparison. 1.5 NeuCoins / ₹100 vs 10 Scapia Coins / ₹100 | 1.5 NeuCoins / ₹100 | 10 Scapia Coins / ₹100 |
| Conservative base value ~1.5% vs ~2% | ~1.5% | ~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 redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.2 | ₹1 | ₹0.2 |
| Point validity Only available for Tata Neu Infinity HDFC Bank | 1 year | 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.