Compare AU Small Finance Bank Zenith Credit Card vs Scapia Federal Bank Credit Card

* Gain 20 Reward Points per Rs.100 retail spends done on Dining at standalone restaurants
* Earn 10 Reward Points per Rs.100 retail spends done on International transactions, Grocery and Departmental stores
* Avail 5 Reward Points per Rs.100 retail spends done across all other merchant categories
* Quarterly Milestone Beneﬁts: Get Rs. 1,000 vouchers on minimum Rs. 2 lakh retail spends that’s done per calendar quarter. Choose vouchers from a bouquet of top brands
* Yearly Milestone Beneﬁts: Avail complimentary Epicure Membership of doing minimum Rs. 8 lakh retail spends in a card anniversary year
* Enjoy lower International foreign mark-up fees of 1.99% on International transactions
* Birthday Benefit: Get 2,500 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 2 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 4 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

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
* Get Air Accident Cover of up to Rs. 2 Crore, Card Liability Cover, get protected against Card Counterfeit/Skimming/Online frauds, and Credit Shield of up to Rs. 5 Lakhs
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you
* Avail Add on card that is free for lifetime

Cons
* No golf privileges
* No Airmiles

Pros