3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel
Strong data Pairwise comparison
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IDFC FIRST Millennia vs FEDERAL Scapia
Side-by-side comparison of the IDFC FIRST Bank Millennia and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Scapia for rewards.
Head-to-head
- Annual fee Annual fee outcome: tie. Millennia ₹0Scapia ₹0
- Forex markup Forex markup outcome: tie. Millennia 0%Scapia 0%
- Domestic lounge Domestic lounge outcome: insufficient data to compare. Millennia No airport lounge accessScapia Unlimited Conditional · Domestic: Unlimited · requires ₹20,000 spend in a billing cycle (unlocks after the billing date)
- Rewards Rewards outcome: Scapia wins. conservative base valueMillennia ~0.4%Scapia ~2%
Reward earning explained
10 Scapia Coins / ₹100 on domestic spend
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Federal Bank Scapia: ~₹1,000/month at base rate
- IDFC FIRST Millennia: ~₹190/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Millennia IDFC FIRST Bank | Scapia Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats No airport lounge access vs Unlimited | No airport lounge access | Unlimited |
| Railway lounge visits Only available for IDFC FIRST Millennia | 16 railway lounge visits per year (max 4/quarter) | Not specified |
| International lounge visits Only available for IDFC FIRST Millennia | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 0% | 0% |
| Fees | ||
| Recurring annual fee | ₹0 | ₹0 |
| Interest-free period Up to 45 days vs Up to 48 days | Up to 45 days | Up to 48 days |
| Monthly interest rate Only available for Federal Bank Scapia | Not specified | 3.75% / month |
| Fuel benefit 1% surcharge waiver · ₹200–₹5,000 transactions · ₹200/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · up to ₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹200–₹5,000 transactions · ₹200/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · up to ₹5,000 transactions · ₹500/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn Some reward lanes are only partially modelled — base rate only for comparison. 3 pts / ₹200 vs 10 Scapia Coins / ₹100 on domestic spend | 3 pts / ₹200 | 10 Scapia Coins / ₹100 on domestic spend |
| Conservative base value ~0.4% vs ~2% | ~0.4% | ~2% |
| Earn ceiling Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities vs Not stated | Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, FASTag, Insurance, Railways & Utilities | Not stated |
| Payment network rates Only available for Federal Bank Scapia | Not specified | RuPay: 5 Scapia Coins / ₹100 · Credited as reward points · 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 IDFC FIRST Millennia | 2 years | Not specified |
| Insurance — Personal accident cover Only available for IDFC FIRST Millennia | ₹2 lakh | Not specified |
| Insurance — Lost card liability cover Only available for IDFC FIRST Millennia | ₹25,000 | Not specified |
| Insurance — Underwriter Only available for IDFC FIRST Millennia | Insured by The Oriental Insurance Company Limited | Not specified |
Notes
- Federal Bank Scapia Credit Card: Condition: ₹20,000 spend in a billing cycle (unlocks after the billing date)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
IDFC FIRST Bank Millennia
Verify with issuer , opens external siteFederal Bank Scapia
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