Federal Bank Scapia vs slice UPI Credit Card
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 slice UPI Credit Card differ first on recurring cost: Federal Bank Scapia has an annual fee of ₹0 against ₹0 for slice UPI Credit Card, 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 slice UPI Credit Card earns 1% cash value at the entry redemption slab on eligible domestic spends. Both publish the same 0% forex markup. 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 | slice UPI Credit Card |
|---|---|---|
| Issuer | Federal Bank | Slice Small Finance 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) | 1% cash value at the entry redemption slab on eligible domestic spends |
| Accelerated routes | travel booked on Scapia app | None recorded |
| 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, rent, wallet load, insurance, emi, education, government, gaming, international, agriculture, cash advance, financial institutions |
| Forex markup | 0% | 0% |
| 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 | none |
| International lounge | none | none |
| Card networks | Visa, RuPay | RuPay |
| Best suited to | international travel, zero forex, young traveler | upi credit |
| Issuer evidence | Checked 2026-07-28 | Checked 2026-07-26 |
Frequently asked questions
Is the Federal Bank Scapia better than the slice UPI Credit Card?
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); slice UPI Credit Card charges ₹0 and earns 1% cash value at the entry redemption slab on eligible domestic spends. 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 slice UPI Credit Card?
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 slice UPI Credit Card?
Both publish a 0% forex markup, so compare international reward eligibility and lounge access instead.
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.