Federal Bank Imperio vs Scapia Federal
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Scapia Federal Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.7/10 vs 7.3/10.
| Feature | Federal Bank Imperio | Scapia Federal |
|---|---|---|
| CardTrail Score | 7.3/10 | 8.7/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 1.5% | 10% |
| Max Reward Rate | 5% | 10% |
| Forex Markup | 3.5% | Zero |
| Domestic Lounges | 2 | -1 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Infinite | Visa |
When to Choose Federal Bank Imperio
- You want a lifetime free card with zero annual cost
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: travel, luxury
When to Choose Scapia Federal
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹3,500/year on ₹1L forex spend
- You want higher rewards — up to 10% vs 5%
- Your primary spend is: forex, travel, beginner
Forex Cost Comparison
On ₹1,00,000 annual international spending: Federal Bank Imperio costs ₹4,130 in forex fees vs Scapia Federal at ₹0. You save ₹4,130/year with Scapia Federal.