Federal Bank Scapia vs IDFC FIRST Bank FIRST Wealth
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
Federal Bank Scapia and IDFC FIRST Bank FIRST Wealth differ first on recurring cost: Federal Bank Scapia has an annual fee of ₹0 against ₹0 for IDFC FIRST Bank FIRST Wealth, so holding cost is identical. On rewards, Federal Bank Scapia earns 10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel) while IDFC FIRST Bank FIRST Wealth earns 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point). Federal Bank Scapia has the lower forex markup at 0%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-01. Confirm final terms with the issuer.
| Feature | Federal Bank Scapia | IDFC FIRST Bank FIRST Wealth |
|---|---|---|
| Issuer | Federal Bank | IDFC FIRST Bank |
| Joining fee | ₹0 | ₹0 |
| Annual fee | ₹0 | ₹0 |
| Fee waiver | No waiver recorded | No waiver recorded |
| Base rewards | 10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel) | 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point) |
| Accelerated routes | travel booked on Scapia app | dining, travel, international and birthday spends |
| Reward exclusions | rent, fuel, wallet load, emi, intl, education, gift card, card payment, crypto, insurance, utility, telecom, government, business service, financial institution, cash advance | fuel, emi, cash advance, fees, loan on card, balance transfer |
| Forex markup | 0% | 1.5% |
| Domestic lounge | unlimited domestic lounge access unlocks after ₹20,000 eligible spend in the preceding billing cycle; active-card, app QR, location and boarding-pass checks apply | 1/quarter after ₹20K spend in the previous calendar month |
| International lounge | none | 1/quarter after ₹20K spend in the previous calendar month |
| Card networks | Visa, RuPay | Visa Infinite |
| Best suited to | international travel, zero forex, young traveler | lifetime free, low forex, premium on budget |
| Issuer evidence | Checked 2026-07-28 | Checked 2026-08-01 |
Frequently asked questions
Is the Federal Bank Scapia better than the IDFC FIRST Bank FIRST Wealth?
Neither is universally better. Federal Bank Scapia charges ₹0 a year and earns 10 Scapia Coins per ₹100 on eligible Visa spends (worth ₹2 toward Scapia travel); IDFC FIRST Bank FIRST Wealth charges ₹0 and earns 3 Reward Points per ₹200 on eligible spend (0.375% at ₹0.25/point). The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, Federal Bank Scapia or IDFC FIRST Bank FIRST Wealth?
Both cards carry the same recorded annual fee of ₹0, so the decision rests on rewards, caps and exclusions rather than holding cost.
Which is better for international spending, Federal Bank Scapia or IDFC FIRST Bank FIRST Wealth?
Federal Bank Scapia publishes the lower forex markup at 0% versus 1.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.