5 pts / ₹150
Strong data Pairwise comparison
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Standard Chartered Bank India Ultimate vs Federal Bank Scapia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Standard Chartered Bank India Ultimate and the Federal Bank Scapia. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictHead-to-head
Three core metrics- Annual fee Scapia saves ₹5,000/yrUltimate ₹5,000 Annual-fee waiver not offeredScapia ₹0
- Forex markup Scapia saves ~₹2,000 per ₹1L abroadUltimate 2%Scapia 0%
- Domestic lounge Scapia has unlimited domestic visitsUltimate 16/year (4 per quarter) Conditional · International: 1/month · requires ₹20,000 spend in the previous month (unlocks the following month)Scapia Unlimited Conditional · Domestic: Unlimited · requires ₹20,000 spend in the previous month (unlocks the following month)
Reward earning explained
Per card10 Scapia Coins / ₹100
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Standard Chartered Bank India Ultimate: ₹5,000 vs Federal Bank Scapia: ₹0), forex markup (2% vs 0%), or lounge access (16/year (4 per quarter) vs Unlimited).
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Travel Federal Bank Scapia wins Federal Bank Scapia is better for travel
Federal Bank Scapia is stronger 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. Federal Bank Scapia offers unlimited domestic lounge visits versus 16 per year.
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Rewards Standard Chartered Bank India Ultimate wins Standard Chartered Bank India Ultimate is better for rewards
Standard Chartered Bank India Ultimate is stronger here. Standard Chartered Bank India Ultimate conservative base value ~3.3% vs Federal Bank Scapia's ~2%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Standard Chartered Ultimate: ~₹1,670/month at base rate
- Scapia: ~₹1,000/month at base rate
Illustrative only, using current base rates before caps.
| Field | Ultimate Standard Chartered Bank India | Scapia Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 16/year (4 per quarter) vs Unlimited | 16/year (4 per quarter) | Unlimited |
| International lounge visits Only available for Standard Chartered Ultimate | 1 per month | Not specified |
| Forex / International Use | ||
| Forex markup 2% vs 0% | 2% | 0% |
| Fees | ||
| Recurring annual fee ₹5,000 vs ₹0 | ₹5,000 | ₹0 |
| Annual-fee waiver Only available for Standard Chartered Ultimate | Not offered | Not specified |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Scapia | Not specified | ₹100–₹950 depending on outstanding balance |
| Fuel benefit Only available for Scapia | Not specified | 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. 5 pts / ₹150 vs 10 Scapia Coins / ₹100 | 5 pts / ₹150 | 10 Scapia Coins / ₹100 |
| Conservative base value ~3.3% vs ~2% | ~3.3% | ~2% |
| Earn ceiling | Not stated | Not stated |
| Payment network rates Only available for 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. ₹1 vs ₹0.2 | ₹1 | ₹0.2 |
Notes
- Federal Bank Scapia Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Standard Chartered Bank India Ultimate
Verify with issuer , opens external siteFederal Bank Scapia
Verify with issuer , opens external site