Scapia Credit Card vs HDFC Infinia Credit Card Metal Edition

Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.

Federal Bank ★ 4.7 / 5.0

Scapia Credit Card

Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access

HDFC Bank ★ 4.9 / 5.0

High-Net-Worth Individuals & Frequent Luxury Travelers

User Rating

★ 4.7 / 5.0

★ 4.9 / 5.0

Annual Fee

Lifetime Free

₹12,500 + Taxes

Fee Waiver Condition

Lifetime Free credit card with zero joining or renewal fee liabilities

Annual fee waived on ₹10 Lakh annual retail spends

Reward Rate

20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)

5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings

Finance APR

3.75% per month (45% per annum)

1.99% per month (23.88% per annum)

Welcome Offer

Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel

12,500 Reward Points upon fee payment and card activation

Top Perks

• 20% Scapia Coins earned on flights and hotel bookings made via Scapia app (4% effective return)
• 10% Scapia Coins earned on all eligible online and offline retail transactions (2% effective return)
• 1 Scapia Coin = ₹0.20 redemption value for travel bookings on Scapia app with 100% coin utilization
• Unlimited domestic airport lounge access across India upon hitting ₹20,000 monthly spend threshold

• 5 reward points per ₹150 spent on all retail transactions
• Up to 10X reward points on travel and shopping bookings via HDFC SmartBuy
• Unlimited complimentary domestic and international airport lounge access via Priority Pass for primary & add-on members
• Complimentary 1-year Club Marriott membership giving up to 20% off on dining & stays across Asia-Pacific

Best Suited For

Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access

High-Net-Worth Individuals & Frequent Luxury Travelers