What are the annual fees for IDFC FIRST Wealth Credit Card and Scapia Credit Card?

IDFC FIRST Wealth Credit Card has no annual fee. Scapia Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

IDFC FIRST Wealth Credit Card earns about 0.375% on general spends; Scapia Credit Card earns about 2%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

IDFC FIRST Wealth Credit Card: 1.5%. Scapia Credit Card: 0% (plus 18% GST on the markup).

Do both cards include airport lounge access?

IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits. Scapia Credit Card: yes — see the lounge row above for limits.

Card Comparison

IDFC FIRST Wealth vs Scapia

The key difference: 2% effective rate vs 0.375%. IDFC FIRST Wealth vs Scapiacompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

IDFC FIRST Wealth

IDFC FIRST Bank

FeeFree

Eff. rate0.38%

CapNone

Fee

Free

Eff. rate

0.38%

Cap

None

Scapia

Federal Bank

FeeFree

Eff. rate2%

CapNone

Fee

Free

Eff. rate

Cap

None

Quick take

How they compare

IDFC FIRST Wealth and Scapiasuit different spending patterns, so the right pick depends on where and how much you spend — the headline difference is called out at the top. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

IDFC FIRST Wealth

Annual fee: Free
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (1.5%)

Scapia

Annual fee: Free
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (0%)

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

44 specs · 12 sections

IDFC FIRST Wealth

Scapia

Feature

IDFC FIRST Wealth

Scapia

Annual Fee

Free

Joining Fee

Free

Fee Waiver Spend

N/A

Forex Markup

1.5%

Reward Type

Reward Points

Base Rate

0.38%

Online Rate

—

Offline Rate

—

Effective Base Rate

0.38%

Point Value

₹0.25

₹0.2

Redemption Quality

MEDIUM

Best Redemption

₹0.25

₹0.2

Worst Redemption

₹0.2

Grocery / Supermarkets

0.38%

Fuel / Petrol / Diesel / CNG

0.38%

Restaurants / Dine-in

0.38%

Flights, Hotels, OTAs, Tour Operators

0.38%

Other Retail / Catch-all

0.38%

Monthly Cap

No cap

Est. Annual Cap

No cap

Total Excluded

0 categories

2 categories

Rent Payments

Earns rewards

Excluded

Wallet / Prepaid Instrument Loading

Earns rewards

Excluded

Domestic Visits/Year

-1

International Visits/Year

-1

None

Priority Pass

Est. Annual Value

₹10,230

₹5,280

Forex Markup

1.5%

International Rate

Yes

Description

₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction

—

Estimated Value

₹1,200

—

Fuel Surcharge Waiver

Yes

Best Suited For

Movies, Travel, Shopping

Travel, Shopping

Min Income

₹3,00,000/month

Not specified

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa

Visa, RuPay

Card Tier

Infinite

Entry

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for IDFC FIRST Wealth Credit Card and Scapia Credit Card?: IDFC FIRST Wealth Credit Card has no annual fee. Scapia Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: IDFC FIRST Wealth Credit Card earns about 0.375% on general spends; Scapia Credit Card earns about 2%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: IDFC FIRST Wealth Credit Card: 1.5%. Scapia Credit Card: 0% (plus 18% GST on the markup).
Do both cards include airport lounge access?: IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits. Scapia Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: IDFC FIRST Bank - IDFC FIRST Wealth · Federal Bank - Scapia