IDFC Bank FIRST SWYP Credit Card vs Scapia Federal Bank Credit Card

• Limited Period Offer: Get up to Rs. 200 cashback on first 4 UPI transactions (maximum up to Rs. 50 per transaction) done within 15 days of FIRST Digital RuPay Credit Card creation date
• 4 complimentary railway lounge access per quarter
• 25% discount on movie tickets up to Rs. 100 on Paytm mobile app once a month
• Get 100 Reward Points for every Rs. 5,000 UPI spends per statement month
• Complimentary Roadside Assistance worth Rs. 1,399
• Monthly Milestone Rewards: SWYP for exciting Reward Points on monthly eligible spends:

A. Get 500 Reward Points on monthly spends of more than Rs. 10,000

B. Get 1000 Reward Points on monthly spends of more than Rs. 15,000

C. Get 400 Reward Points on rental spends of Rs. 20,000 and above p.m.

• Guaranteed year-long discounts on featured partners such as the following:

A. Dominos Pizza: 20% off up to Rs. 80 on orders above Rs. 299 twice in a month

B. EaseMyTrip: 10% instant discount up to Rs. 500 on flight or hotel bookings above Rs. 5,000 once a quarter

C. SUGAR Cosmetics: 20% instant discount up to Rs. 270 on orders above Rs. 1,250 once online once offline a month

D. TATA CLiQ: 10% instant discount up to Rs. 100 on purchases above Rs. 999 once a month

E. Zomato: Get 10% off up to Rs. 100 on orders above Rs. 299 twice in a month

• 1% fuel surcharge waiver up to Rs. 200 p.m. on fuel transactions between Rs. 200 and Rs. 5000 p.m.
• Access to additional 300+ merchant offers on all your fav categories, all year round
• Pay your statement in full or EMIfy your eligible balance
• You can convert your eligible balance into easy & convenient EMIs
• Make sure to pay any outstanding balance post EMI conversion by your payment due date
• Convert balances or transactions into easy EMIs with flat monthly conversion fees & no other processing charges
• Year- long instant discounts starting from 10% off on our Feature Partners
• FIRST SWYP Referral Benefits: Get subscription fee waived off & many more benefits by referring FIRST SWYP

• Zero joining and annual fees
• Enjoy unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs. 10,000 on VISA or Rs. 15,000 on Rupay card every month
• 10% reward on every eligible online and offline spend
• Instant redemption on flights, hotels and buses on the Scapia app, at 1 reward = 1 Scapia Coin
• Zero forex markup on all international transactions
• 24x7 customer service
• Instant in-app repayment
• Set transactions limits and manage permissions on the app
• On Scapia Federal Visa Credit Card, earn 10% rewards on every purchase of Rs. 20 and above. For purchase amounts below Rs. 20, rewards will not be credited
• On Scapia Federal Rupay Credit Card, earn 5% rewards on eligible spends 8 of more than 500 Rs. For purchase amounts below Rs. 500, rewards will not be credited
• Earn 20% rewards on travel purchases made on the Scapia App. Rewards earned on card transactions will be converted to Scapia coins on the statement date with the conversion ratio 1 Reward = 1 Scapia Coin
• Scapia coins can be accumulated and further utilised against services offered such as flights, stays, buses etc., or any other service offered by Scapia from time to time on the Scapia platform. The Scapia Coins can also be utilised against other exciting offers shown in the Scapia App from time to time
• Do note for redemption against Flights & Hotel/Stay, Bus Bookings and any other services on Scapia App - 5 Scapia Coin = Rs. 1
• Complimentary Access to Domestic Airport Lounge:

a. Unlimited Domestic Lounge- Condition for eligibility: Customers have to spend Rs. 10,000 on Visa Credit Card or Rs. 15,000 Rupay Credit Card in a billing cycle for unlocking this facility. They should also be Active on a monthly basis for retaining the Unlimited Domestic Lounge free access. The transactions done on specific card variant will be eligible for the respective specific variant eligibility and cannot be combined with both variants

• No Cost EMI for Travel Transactions on Scapia App
• 1% surcharge waiver of up to Rs. 500 per month on fuel transactions worth up to Rs. 5,000

Pros

• Numerous welcome benefits
• Guaranteed year-long discounts on featured partners such as Dominos Pizza, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato
• Affordable joining/annual fee

Cons

• While this card provides complimentary access to railway lounges, airport lounge access requires fulfilling referral criteria
• Make sure to pay any outstanding balance post EMI conversion by your payment due date
• No golf benefits

Pros

• Zero forex mark-up fee on international spends
• Earn 20% rewards on travel purchases made on the Scapia App
• Unlimited domestic airport lounge access

Cons

• Scapia coins redemption is limited to just travel bookings on Scapia app
• Low Scapia coins redemption ratio of 5:1
• No complimentary international airport lounge access