Which card has a lower forex fee: IDFC FIRST Swyp Credit Card or Federal Bank Scapia Credit Card?

Both cards have the same forex markup (0%).

Which card has a lower annual fee: IDFC FIRST Swyp Credit Card or Federal Bank Scapia Credit Card?

Federal Bank Scapia Credit Card has a lower annual fee (₹0 vs ₹499).

Which card offers better lounge access?

IDFC FIRST Swyp Credit Card: 16 railway lounge visits per year (max 4/quarter). 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 →

IDFC FIRST Bank Swyp vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the IDFC FIRST Bank Swyp and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Swyp IDFC FIRST Bank

Annual fee ₹499
Forex markup 0%
Domestic lounge 16/year railway

Scapia Federal Bank

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 card

Swyp

Base rewards on regular spend

Scapia

20 Scapia Coins / ₹100 on Travel booked in Scapia app (app only) + 10 Scapia Co…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Swyp: ₹499 vs Federal Bank Scapia: ₹0), forex markup (0% vs 0%), or lounge access (16/year railway vs Unlimited).

Travel Tie

Both cards are similar for travel

Forex markup is 0%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 0%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is no airport lounge access. Domestic lounge access is unlimited.

Verify with issuer

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
IDFC FIRST Swyp: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Swyp IDFC FIRST Bank	Scapia Federal Bank
Lounge Access
Domestic lounge visits 16/year railway vs Unlimited	16/year railway	Unlimited
Forex / International Use
Forex markup	0%	0%
Fees
Annual fee ₹499 vs ₹0	₹499	₹0
Joining fee ₹499 vs ₹0	₹499	₹0
Interest-free period Up to 45 days vs Up to 48 days	Up to 45 days	Up to 48 days
Rewards
Points per ₹100 Only available for Scapia	Not specified	10 pts
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 Swyp	2 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.