HDFC InterMiles Signature vs Scapia Federal
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Scapia Federal Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.7/10 vs 8.4/10.
| Feature | HDFC InterMiles Signature | Scapia Federal |
|---|---|---|
| CardTrail Score | 8.4/10 | 8.7/10 |
| Annual Fee | ₹2,500 | Free |
| Base Reward Rate | 1% | 10% |
| Max Reward Rate | 6% | 10% |
| Forex Markup | 2% | Zero |
| Domestic Lounges | 16 | -1 |
| International Lounges | 5 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose HDFC InterMiles Signature
- You can meet the fee waiver condition: Spend ₹3L/year
- Airport lounge access matters — 16 domestic visits
- Your primary spend is: travel, miles
When to Choose Scapia Federal
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹2,000/year on ₹1L forex spend
- You want higher rewards — up to 10% vs 6%
- Your primary spend is: forex, travel, beginner
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC InterMiles Signature costs ₹2,360 in forex fees vs Scapia Federal at ₹0. You save ₹2,360/year with Scapia Federal.
Annual Fee Value Analysis
To break even on HDFC InterMiles Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.
Scapia Federal is lifetime free — no break-even needed.