- Annual fee ₹12,000 Waivable at ₹10,00,000 spend
- Forex markup 2%
- Domestic lounge Unlimited
Pairwise comparison
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ICICI Bank Emeralde vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex
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.
Travel Federal Bank Scapia Forex Federal Bank Scapia
Quick comparison
Three core metrics- Annual fee ₹0 Lifetime free
- Forex markup 0%
- Domestic lounge Unlimited Conditional · Domestic: Unlimited · requires ₹20,000 spend in the previous month
Reward earning explained
Per card6 pts / ₹100 on General spend
Limited data20 Scapia Coins / ₹100 on Travel booked in Scapia app (app only) + 10 Scapia Co…
Limited dataPick based on what matters
4 dimensionsStart 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).
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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 ICICI Bank Emeralde has comparable evidence here. Estimated base reward value is ~1.5% on base spend.
Confidence: Low (limited information available)
Verify with issuer (opens in new tab)Confidence: Low (limited information available)
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Example usage at this monthly spend
At ₹50k/month spend:
- Scapia: ~₹1,000/month at base rate
- Emeralde: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Emeralde ICICI Bank | Scapia Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 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 10 pts | 6 pts | 10 pts |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Scapia | Not specified | ₹0.2 |
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.