Which card has a lower forex fee: Tata Neu Infinity HDFC Bank Credit Card or Federal Bank Scapia Credit Card?

Federal Bank Scapia Credit Card has lower forex markup (0% vs 2%).

Which card has a lower annual fee: Tata Neu Infinity HDFC Bank Credit Card or Federal Bank Scapia Credit Card?

Federal Bank Scapia Credit Card has a lower annual fee (₹0 vs ₹1,499).

Which card offers better lounge access?

Tata Neu Infinity HDFC Bank Credit Card: 8/year domestic lounge. Federal Bank Scapia Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Add another card →

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 upi HDFC Bank Tata Neu Infinity RuPay

Quick comparison

Three core metrics

Tata Neu Infinity RuPay HDFC Bank

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 2%
Domestic lounge 8/year

Scapia Federal Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge Unlimited

Reward earning explained

Per card

Tata Neu Infinity RuPay

5 pts / ₹100 on General spend

Limited data

Scapia

Base rewards on regular spend

Pick based on what matters

6 dimensions

Start 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 vs Unlimited).

Travel Federal Bank Scapia wins

Federal Bank Scapia is better for travel

Federal Bank Scapia is stronger here. Forex markup is 0%.

Tata Neu Infinity RuPay: Limited data Scapia: Limited data
Forex markup Federal Bank Scapia wins

Federal Bank Scapia is better for forex

Federal Bank Scapia is stronger here. Forex markup is 0%.

Tata Neu Infinity RuPay: Limited data Scapia: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year. Domestic lounge access is unlimited.

Tata Neu Infinity RuPay: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Estimated base reward value is ~1.3% on base spend.

Tata Neu Infinity RuPay: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only Federal Bank Scapia has comparable evidence here. Annual fee is ₹0.

Tata Neu Infinity RuPay: Limited data Scapia: Limited data
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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹630/month at base rate
Scapia: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Tata Neu Infinity RuPay HDFC Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits 8/year vs Unlimited	8/year	Unlimited
International lounge visits Only available for Tata Neu Infinity HDFC Bank	4/year	Not specified
Forex / International Use
Forex markup Limited support — verify with issuer. 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
Rewards
Points per ₹100 Only available for Tata Neu Infinity HDFC Bank	5 pts	Not specified
Point cash value ₹0.25 vs ₹0.2	₹0.25	₹0.2

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.