Shortlist 2–4 cards
Side-by-side comparison of the ICICI Bank Emeralde and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | Emeralde | Scapia |
|---|---|---|
| Annual fee | ₹12,000 Waivable at ₹10,00,000 spend | ₹0 Lifetime free |
| Forex fee | 2% | 0% |
| Domestic lounge | Unlimited | Unlimited |
Fees: Scapia wins
Confidence: High
Forex: Scapia wins
Confidence: High
Lounge: Tie
Confidence: High
Confidence: High
Start with the constraint you care about most: annual fee (ICICI Bank Emeralde: ₹12,000 vs Federal Bank Scapia: ₹0), forex markup (2% vs 0%), or lounge access (Unlimited vs Unlimited).
Explore: ICICI Bank Emeralde card page · Federal Bank Scapia card page · best credit cards in India
If this pair is close, these are the next useful side-by-side checks.
Confidence: High
Verify with issuer (opens in new tab)Confidence: High
Verify with issuer (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| Emeralde ICICI Bank | Scapia Federal Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| Forex / International Use | ||
| Forex markup 2% vs 0% | 2% | 0% |
| Fees | ||
| Annual fee ₹12,000 vs ₹0 | ₹12,000 | ₹0 |
| Joining fee ₹12,000 vs ₹0 | ₹12,000 | ₹0 |
| Fee waiver spend Only available for Emeralde | ₹10,00,000 | Not specified |
| Rewards | ||
| Points per ₹100 6 pts vs 2 pts | 6 pts | 2 pts |
| Point cash value ₹0.25 vs ₹0.2 | ₹0.25 | ₹0.2 |