Comparison Summary
| Feature | IDFC Mayura Card | Federal Bank Scapia Card |
|---|---|---|
| Card Image |
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| Card Network | Mastercard | RuPay, Visa |
| USP | The IDFC Mayura Credit Card is a premium travel and lifestyle card offering zero forex markup, high reward points on everyday spends, and unlimited access to domestic and international airport lounges, perfect for frequent travelers and luxury seekers. Enjoy exclusive cashback, seamless EMI options, and comprehensive travel benefits that elevate your card experience. | The Federal Bank Scapia Card is a lifetime-free credit card perfect for frequent travelers and online shoppers, offering unlimited domestic lounge access, zero forex markup, and high-value Scapia Coins rewards on all spends. It delivers exceptional travel benefits and seamless digital management through the Scapia app. |
| Annual Fee | 5999 - +GST | N/A |
| Joining Fee | 5999 - +GST | N/A |
| Welcome Benefits | Cashback of ₹4,000 on any 4 transactions of ₹1,000 or above within 60 days of card generation | N/A |
| Lounge Access | Domestic: 4 per quarter | International: 4 per quarter On spends of ₹20,000+ in the last month | 1 complimentary guest visit per year |
Domestic: Unlimited On monthly spends of ₹10,000+ for Visa and ₹15,000+ RuPay variant |
| Reward Rate | 10X reward points per ₹150 on incremental spends above ₹20,000 per statement cycle, 5X reward points per ₹150 on spends up to ₹20,000, 3X reward points on rent, education, wallet load, and government transactions, and 1X reward points on insurance and utilities. | Earn 10% Scapia Coins (equivalent to 2% value-back approximately) on all online and offline purchase transactions. Additional 20% value-back on travel bookings made through the Scapia app. No capping on Scapia Coins earned. |
| Interest Rate | 0.75% to 3.99% per month (approximately 9% to 48% per annum) | Interest rate is 45% per annum. |
| Best For | Lounge Access, Travel | Forex Spends, Lounge Access, Travel |
| Apply Now | Apply Now | Apply Now |
IDFC Mayura vs Federal Scapia Card: Fees & Charges Compared
| Fee Type | IDFC Mayura Credit Card | Federal Scapia Credit Card |
| Joining/Annual Fee | ₹5,999 + GST (both) | ₹0 (Lifetime Free) |
| Waiver Condition | None; always payable | Not applicable |
| Add-On Card Fee | Not specifically disclosed | Not disclosed |
| Forex Markup | 0% (true zero, global) | 0% (true zero) |
| ATM Withdrawal | ₹199 + GST/txn (interest-free 45 days) | 2.5% or ₹500 min + std. interest |
| Special Charges | No waivers, interest-free cash withdrawals (with fee), no other regular surcharges | No major hidden or recurring charges |
The IDFC Mayura Credit Card charges a joining and annual fee of ₹5,999 plus GST with no waiver available—the fee must be paid to activate the card and every year thereafter. It levies a true 0% forex markup on international payments and ATM withdrawals, with cash advances being interest-free for up to 45 days (each withdrawal incurs a fee of ₹199 + GST). No specific fee for add-on cards is disclosed. There are no major hidden or ancillary charges beyond these stated fees.
The Federal Scapia Credit Card is lifetime free, meaning there are no joining or annual fees at all. Add-on cards and their specific fees are not detailed by the issuer. The card also features a true 0% forex markup, making it ideal for international purchases. ATM cash withdrawals are charged at 2.5% of the withdrawn amount or ₹500 (whichever is higher), with standard interest rates applying beyond this; there are no notable hidden or recurring fees listed.
Welcome Benefits & Eligibility: IDFC Mayura vs Federal Scapia Card
The IDFC Mayura Credit Card provides an attractive welcome benefit: spend a minimum of ₹1,000 on any 4 separate transactions within the first 60 days of card issuance and receive ₹1,000 cashback per transaction, up to a maximum of ₹4,000. This benefit is activated only after the joining fee of ₹5,999 + GST is paid. No cashback is awarded for excluded transaction types such as UPI, cash withdrawal, fees/charges, or refunded transactions. For continued value, annual milestone rewards of 7,500 or 15,000 points are awarded after spends of ₹8 lakh and ₹15 lakh respectively in a card anniversary year. Eligibility typically requires a good credit score, stable income, and satisfactory credit history, though the bank determines the specific criteria. The application process is entirely digital via the IDFC FIRST Bank website, with instant approval and virtual card issuance for eligible applicants.
The Federal Scapia Credit Card does not currently offer sign-up gifts or a dedicated welcome benefit. Instead, its key appeal lies in a simple, 100% digital on-boarding process and truly “lifetime free” status—no joining fees or annual charges are ever levied. Anyone over 18 with a PAN card, valid Aadhaar and a steady income can apply through the Scapia app, complete eKYC, and receive instant approval along with a virtual card. There are no complicated eligibility hoops and no physical paperwork involved, making the experience fast and user-friendly.
Lounge Access: Domestic & International Privileges Compared
| Card | Lounge Access | Access Conditions |
|---|---|---|
| IDFC Mayura Credit Card | 4 domestic + 4 international/quarter | Spend ₹20,000 in prior month to unlock |
| Federal Scapia Credit Card | Unlimited domestic lounges | Spend ₹10,000 (Visa)/₹15,000 (RuPay) |
The IDFC Mayura Credit Card offers 4 complimentary domestic lounge or spa visits per quarter and 4 complimentary international airport lounge visits per quarter. To unlock these benefits, cardholders must spend at least ₹20,000 in the previous calendar month. Domestic lounge benefit also allows for one guest visit per quarter within the total quota. In contrast, the Federal Scapia Credit Card provides unlimited complimentary domestic airport lounge access each month, but this is subject to meeting the minimum monthly spend—₹10,000 on the Visa variant or ₹15,000 on the RuPay variant in the preceding month. The Scapia card does not provide international lounge access. Both cards require meeting monthly spend milestones to activate lounge access, but Mayura uniquely includes international airport lounges while Scapia focuses on unlimited domestic entry
Cashback & Rewards Structure: Earning Rates, Caps & Redemption
| Reward Aspect | IDFC Mayura Credit Card | Federal Scapia Credit Card* |
|---|---|---|
| Base Reward Rate | 5X points per ₹150 spent up to ₹20,000 per month | Flat 10% cashback as Scapia Coins on most spends |
| Incremental Reward Rate | 10X points per ₹150 spent beyond ₹20,000 monthly | Same 10% rate across eligible spends |
| Category Cashback | 3X on rent, education, wallet load; 1X on insurance, utilities | Included within 10% flat cashback |
| Cashback/Rewards Cap | Bonus reward points capped at 25,000 per month for travel deals; max 3,00,000 points annually | No explicit cap stated, cashback coins redeem instantly |
| Reward Accrual | Points earned per ₹150 spent, redeemable at ₹0.50/travel pt, ₹0.25/others | Scapia Coins earned and redeemed instantly via app |
*Federal Scapia rewards are mostly cashback, credited as Scapia Coins usable for travel and shopping bookings
The IDFC Mayura Credit Card offers tiered reward points: 5X rewards on spends up to ₹20,000 monthly and 10X rewards on incremental spends beyond ₹20,000 in the same cycle. Reward points are earned per ₹150 of eligible spend, with 3X on rent, wallet loads, and education, and 1X on insurance and utilities. There is no reward on fuel, EMI, fees, cash withdrawals, and transactions under ₹150. Points can be redeemed at ₹0.50 each towards travel bookings through IDFC’s mobile app or at ₹0.25 for other redemptions. There is a monthly cap of 25,000 bonus points on travel bookings and an annual redemption cap of 3,00,000 points.
In contrast, the Federal Scapia Card provides a straightforward 10% cashback on nearly all spends, credited instantly as Scapia Coins. This cashback is redeemable immediately for travel bookings and shopping on the Scapia app with no announced caps or complex tiering. The simple flat-rate cashback structure makes Scapia appealing for users wanting frequent instant rewards without category restrictions.
Cashback & Rewards Redemption: Process, Wallet Credits & Restrictions
For the IDFC Mayura Credit Card, reward points can be redeemed through the IDFC FIRST Bank mobile app or internet banking. Each reward point is worth ₹0.50 when redeemed for travel bookings (flights and hotels) via the app, and ₹0.25 for other redemptions such as gift vouchers or shopping. Points are credited to the user’s reward wallet after each qualifying transaction and can be used to offset up to 70% of the booking value during travel redemptions. Redemption requests carry a handling fee of ₹99 plus applicable taxes per transaction. Points redeemed for travel bookings are credited within 14 working days of travel completion. Redemption failures or cancellations reverse points to the wallet, and refunds follow a split process between points and card credit. There are monthly and annual caps on point redemption, limiting the maximum reward usage. Redemption is exclusively digital, requiring the user to login to online banking or the app to view and redeem points.
The Federal Scapia Credit Card credits instant cashback as Scapia Coins directly into the cardholder’s app wallet upon transaction authorization. These coins can be redeemed instantly for travel bookings including flights, hotels, and buses, or used for shopping via the Scapia app. Cashback is automatically applied and no additional wallet top-up or statement credit process is required. Unlike the Mayura card, there is no handling fee or redemption delay. However, users are restricted to using cashback only within the Scapia ecosystem, and there is no facility for direct statement credits or bank transfer. The redemption process is straightforward, with no caps on cashback usage mentioned publicly.
In summary, Mayura’s rewards offer structured redemption with travel booking perks but add a nominal fee and caps, while Scapia’s flat cashback redeems instantly in-app with zero fees but is limited to the issuer’s travel and shopping platform.
Frequently Asked Questions (FAQs) for IDFC Mayura & Federal Scapia Credit Cards
No, the IDFC Mayura card has a joining and annual fee of ₹5,999 plus GST. There is no fee waiver, but spending milestones can earn reward points to offset some value. The Federal Scapia card, however, is lifetime free with no joining or annual fees.
IDFC Mayura reward points can be redeemed via the bank’s app for travel bookings or other gift vouchers, with points equating to ₹0.50 on travel and ₹0.25 elsewhere. Federal Scapia offers instant cashback as Scapia Coins credited to the app wallet, which can be redeemed instantly only within the Scapia travel and shopping platform.
Mayura offers 4 domestic and 4 international lounge visits per quarter, plus 1 guest visit per quarter for domestic lounges, subject to a ₹20,000 monthly spend in the previous month. Scapia provides unlimited domestic lounge visits per month if ₹10,000 (Visa) or ₹15,000 (RuPay) is spent in the preceding month, but no international lounges.
Maximizing rewards involves spending above ₹20,000 monthly to unlock 10X points on incremental spends. Bonus points on flights and hotels booked via the IDFC app also increase value. Focus on milestone rewards and partner offers to boost rewards further.
Conclusion & Card Recommendations: IDFC Mayura vs Federal Scapia
The IDFC Mayura and Federal Scapia credit cards each cater to distinct traveler and spender profiles in 2025. The Mayura card justifies its premium with a metal build, luxury international and domestic lounge access, trip cancellation insurance, and a tiered reward points system that benefits high spenders. However, its ₹5,999+ GST annual fee and reward redemption fees mean the card is best suited for frequent international travelers who can fully utilize these benefits.
On the other hand, the Federal Scapia card stands out as a truly lifetime free credit card with no joining or annual fees, offering unlimited domestic lounge access and a simple, strong 10% cashback system through instant Scapia Coins. Its zero forex markup and easy online application make it ideal for cost-conscious travelers and users seeking straightforward rewards without complexities or hidden charges.
In summary, for premium international travel and luxury perks, IDFC Mayura is a worthy choice. For budget-friendly, unlimited domestic lounge use, and straightforward flat-rate cashback, Federal Scapia takes the lead. Match card choice closely to individual spending habits, travel frequency, and fee tolerance to maximize value from either card in 2025
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