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HomeCredit cardsScapiaScapia Federal Bank Credit Card
Mid-rangeVisaLifetime free

Scapia Federal Bank Credit Card

4.3editor Editor score 84/100Best for zero forex travel

Lifetime free travel card with 0% forex markup, unlimited domestic lounge access on ₹10,000 monthly spends and 10% Scapia coins.

  • 0% forex markup on international spends
  • Unlimited domestic lounge visits (₹10,000 monthly spends)
  • 10% Scapia coins on every spend, 20% on Scapia travel bookings
  • Lifetime free
Updated 13 Nov 2026
ScapiaMID
•••• •••• •••• 4242
Scapia Federal Bank Credit Card
VISA

Key facts

Joining fee
Free
Annual fee
Free
Reward rate
10% coins on all spends · 20% on Scapia app
Welcome benefit
None

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HDFC BankSUPER PREMIUM
•••• •••• •••• 4242
Scapia Federal Bank Credit Card
Annual fee Free
Lounge access
Unlimited domestic
Forex markup
0%
Fuel surcharge
No waiver
Interest rate
3.5% p.m. (42% p.a.)

What we like

  • No forex fee at all
  • Unlimited lounge on a free card
  • Fully app-based, fast issuance

Watch out for

  • Coins redeem only for travel on the Scapia app (5 coins = ₹1)
  • No fuel surcharge waiver
  • Lounge needs monthly spend

Our take

Why we rate it

The best card to carry abroad on a budget: zero forex, zero fee and unlimited lounges at home.

Features & benefits in detail

Rewards
All spends
10% Scapia coins (2% value)
Scapia app bookings
20% coins (4% value)
Fees
Forex markup
0%
Joining / annual
Lifetime free
Travel
Domestic lounge
Unlimited (₹10k monthly spend)

Eligibility

Minimum income
₹30,000 / month
Age
21 – 60 years
Credit score
720+ preferred
SalariedSelf-employed

Approval, pricing and credit limits are decided solely by the issuing bank or NBFC. Fees, rewards and offers shown are indicative and may change without notice; please read the lender's Most Important Terms and Conditions (MITC) or Key Fact Statement before applying.

Scapia
Scapia Federal Bank Credit Card
Joining fee
Free
Annual fee
Free
Rewards
Up to 2%
Lounge
Unlimited
Forex
0%

Secure hand-off to Scapia. No OTP or PIN ever asked.

Not sure?

Answer 5 questions and see whether this is really your best match.

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CardSparrow is an independent comparison platform, not a bank, NBFC or RBI-regulated lender. We may earn a referral fee from a lender or affiliate network when you apply through our links. This never changes what you pay and never affects our ratings or the order in which products appear.

HDFC Bank Infinia Credit Card (Metal)
VISA
HDHDFC Bank

HDFC Bank Infinia Credit Card (Metal)

4.8editor

Best for ultra-premium invite-only

5 points per ₹150 (3.33% back) with 1:1 flight/hotel redemption, unlimited lounge access worldwide and ITC hotel privileges.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 3.3%
Lounge Unlimited 2% forex
Details
Axis BankSUPER PREMIUM
•••• •••• •••• 4242
Axis Bank Magnus Credit Card
AXAxis Bank

Axis Bank Magnus Credit Card

4.4editor

Best for luxury travel transfers

12 EDGE points per ₹200, 35,000 bonus points at ₹1.5L monthly spends, unlimited lounges and 5:2 transfers to airline partners.

Joining
₹12,500 + GST
Annual
₹12,500 + GST
Rewards
Up to 2.4%
Lounge Unlimited 2% forex
Details
Editor's pick
HDFC BankPREMIUM
•••• •••• •••• 4242
HDFC Regalia Gold Credit Card
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HDFC Regalia Gold Credit Card

4.5editor

Best for premium travel & lifestyle

4 points per ₹150, 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital, 12 domestic + 6 international lounge visits.

Joining
₹2,500 + GST
Annual
₹2,500 + GST
Rewards
Up to 2.7%
Lounge 12 / yr 2% forex Fuel waiver
Details
Editor's pick
HDFC BankMID
•••• •••• •••• 4242
HDFC Millennia Credit Card
VISA
HDHDFC Bank

HDFC Millennia Credit Card

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Best for everyday online spends

5% CashPoints on Amazon, Flipkart, Swiggy, Zomato, Uber, Myntra and more, with quarterly lounge visits.

Joining
₹1,000 + GST
Annual
₹1,000 + GST
Rewards
Up to 4%
Lounge 4 / yr Fuel waiver
Details