What are the annual fees for Scapia Credit Card and Tata Neu Infinity HDFC Bank Credit Card?

Scapia Credit Card has no annual fee. Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Scapia Credit Card earns about 2% on general spends; Tata Neu Infinity HDFC Bank Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Scapia Credit Card: 0%. Tata Neu Infinity HDFC Bank Credit Card: 2% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Scapia Credit Card: yes — see the lounge row above for limits. Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits.

Card Comparison

Scapia vs Tata Neu Infinity HDFC

The key difference: Free vs ₹1,499 annual fee. Scapia vs Tata Neu Infinity HDFCcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Scapia

Federal Bank

FeeFree

Eff. rate2%

CapNone

Fee

Free

Eff. rate

Cap

None

Tata Neu Infinity HDFC Bank

HDFC Bank

Fee₹1,499+GST

Eff. rate1.5%

CapCategory

Fee

₹1,499+GST

Eff. rate

1.5%

Cap

How they compare

Scapia and Tata Neu Infinity HDFCsuit 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

Scapia

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

Notable strengths

No monthly reward cap
Low forex markup (0%)

Tata Neu Infinity HDFC

Annual fee: ₹1,499 + GST
Everyday rate: 1.5%
Monthly cap: No cap

Notable strengths

Bonus rewards on Tata Neu (up to 5%)
No monthly reward cap

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

47 specs · 13 sections

Scapia

Tata Neu Infinity HDFC Bank

Feature

Scapia

Tata Neu Infinity HDFC Bank

Annual Fee

Free

₹1,499

Joining Fee

Free

₹1,499

Fee Waiver Spend

N/A

₹3,00,000

Forex Markup

Reward Type

Reward Points

NeuCoins

Base Rate

1.5%

Online Rate

—

Offline Rate

—

Effective Base Rate

1.5%

Point Value

₹0.2

₹1

Redemption Quality

MEDIUM

HIGH

Best Redemption

₹0.2

₹1

Worst Redemption

₹0.2

₹1

Tata Brands

—

Tata Neu

—

Grocery / Supermarkets

1.5%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.5%

Flights, Hotels, OTAs, Tour Operators

1.5%

Other Retail / Catch-all

1.5%

Monthly Cap

No cap

Category caps apply

Est. Annual Cap

No cap

Category caps apply

Total Excluded

2 categories

5 categories

Fuel / Petrol / Diesel / CNG

Earns rewards

Excluded

Government / Tax Payments

Earns rewards

Excluded

Online Gaming / Betting

Earns rewards

Excluded

Domestic Visits/Year

-1

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

₹5,280

₹6,820

Forex Markup

International Rate

Yes

Description

—

1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance.

Estimated Value

—

₹1,499

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Shopping

Tata Ecosystem Shopping, Lifestyle Rewards

Min Income

Not specified

₹1,00,000/month

Income Proof

Not required

Secured FD

Accepting Applications

Yes

Network

Visa, RuPay

Card Tier

Entry

Gold

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Scapia Credit Card and Tata Neu Infinity HDFC Bank Credit Card?: Scapia Credit Card has no annual fee. Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Scapia Credit Card earns about 2% on general spends; Tata Neu Infinity HDFC Bank Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Scapia Credit Card: 0%. Tata Neu Infinity HDFC Bank Credit Card: 2% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Scapia Credit Card: yes — see the lounge row above for limits. Tata Neu Infinity HDFC Bank 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: Federal Bank - Scapia · HDFC Bank - Tata Neu Infinity HDFC