Which card has a lower forex fee: IDBI Royale Signature Credit Card or Federal Bank Scapia Credit Card?

Federal Bank Scapia Credit Card has lower forex markup (0% vs 3.5%).

Which card has a lower annual fee: IDBI Royale Signature Credit Card or Federal Bank Scapia Credit Card?

Both cards have the same annual fee (₹0).

Which card offers better lounge access?

IDBI Royale Signature Credit Card: 1 per quarter domestic lounge. Federal Bank Scapia Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

Federal Bank Scapia Credit Card has higher base reward value (~2% vs ~0.75%).

Pairwise comparison Compare 3+ cards →

IDBI Bank Royale Signature vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDBI Bank Royale Signature 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 Rewards Federal Bank Scapia

Quick comparison

Three core metrics

Royale Signature IDBI Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹1 spend in the calendar quarter

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

Royale Signature

3 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 (IDBI Bank Royale Signature: ₹0 vs Federal Bank Scapia: ₹0), forex markup (3.5% vs 0%), or lounge access (4/year (1 per quarter) vs Not specified).

Travel Insufficient data

Insufficient data to compare travel

Only Federal Bank Scapia has comparable evidence here. Forex markup is 0%.

Royale Signature: 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%.
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.
Rewards Federal Bank Scapia wins

Federal Bank Scapia is better for rewards

Federal Bank Scapia is stronger here. Federal Bank Scapia conservative base value ~2% vs IDBI Bank Royale Signature's ~0.8%.

IDBI Bank Royale Signature

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
IDBI Royale Signature: ~₹380/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Royale Signature IDBI Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits Only available for IDBI Royale Signature	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	₹0	₹0
Joining fee	₹0	₹0
Rewards
Points per ₹100 Some reward lanes are only partially modelled — base rate only for comparison. 3 pts / ₹100 vs 10 Scapia Coins / ₹100	3 pts / ₹100	10 Scapia Coins / ₹100
Conservative base value ~0.8% vs ~2%	~0.8%	~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 redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹0.2	₹0.25	₹0.2
Point validity Only available for IDBI Royale Signature	3 years	Not specified

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.