- Annual fee ₹500 Waivable at ₹1,50,000 spend
- Forex markup 3.5%
- Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter
Pairwise comparison
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ICICI Bank HPCL Super Saver vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the ICICI Bank HPCL Super Saver and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.
Forex Federal Bank Scapia Lounge Federal Bank Scapia
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 card10 pts / ₹150
Limited data10 Scapia Coins / ₹100
Limited dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (ICICI Bank HPCL Super Saver: ₹500 vs Federal Bank Scapia: ₹0), forex markup (3.5% vs 0%), or lounge access (4/year (1 per quarter) vs Not specified).
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Travel Insufficient data Insufficient data to compare travel
Only Federal Bank Scapia has comparable evidence 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 Federal Bank Scapia wins Federal Bank Scapia is better for lounge access
Federal Bank Scapia is stronger here. Domestic lounge access is unlimited.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: ICICI Bank HPCL Super Saver is not safely INR-comparable (no usable point value). Federal Bank Scapia conservative base value ~2% per ₹100.
ICICI Bank HPCL Super Saver
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
- HPCL Super Saver: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | HPCL Super Saver ICICI Bank | Scapia Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Only available for HPCL Super Saver | 4/year (1 per quarter) | Not specified |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 0% | 3.5% | 0% |
| Fees | ||
| Annual fee ₹500 vs ₹0 | ₹500 | ₹0 |
| Joining fee ₹500 vs ₹0 | ₹500 | ₹0 |
| Fee waiver spend Only available for HPCL Super Saver | ₹1,50,000 | Not specified |
| Rewards | ||
| Base earn Some reward lanes are only partially modelled — base rate only for comparison. 10 pts / ₹150 vs 10 Scapia Coins / ₹100 | 10 pts / ₹150 | 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.