Which card has a lower forex fee: ICICI Emeralde 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: ICICI Emeralde Credit Card or Federal Bank Scapia Credit Card?

Federal Bank Scapia Credit Card has a lower annual fee (₹0 vs ₹12,000).

Which card offers better lounge access?

ICICI Emeralde Credit Card: Unlimited domestic lounge access. Federal Bank Scapia Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

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

Pairwise comparison Compare 3+ cards →

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

Emeralde ICICI Bank

Annual fee ₹12,000 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Not specified

Scapia Federal Bank

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 card

Emeralde

6 pts / ₹100

Limited data

Scapia

10 Scapia Coins / ₹100

Limited data

Pick based on what matters

4 dimensions

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 (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 Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: ICICI Bank Emeralde is not safely INR-comparable (no usable point value). Federal Bank Scapia conservative base value ~2% per ₹100.

Emeralde: Limited data Scapia: Limited data

ICICI Bank Emeralde

Confidence: Low (limited information available)

Verify with issuer

Federal Bank Scapia

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

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 Missing for one or more cards	Not specified	Not specified
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 Some reward lanes are only partially modelled — base rate only for comparison. 6 pts / ₹100 vs 10 Scapia Coins / ₹100	6 pts / ₹100	10 Scapia Coins / ₹100
Conservative base value Not safely INR-comparable vs ~2%	Not safely INR-comparable	~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. 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.