Scapia Federal Bank Credit Card vs ICICI Bank HPCL Super Saver Credit Card

• 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

• Get up to 5% cashback on fuel purchases
• Get 1.5% cashback in reward points on all fuel purchases through the HP Pay app and at HPCL outlets
• Get Rs. 300 per month in the form of cashback and accelerated rewards across all categories
• 5% accelerated Reward Points on categories such as departmental stores, electricity and mobile bills capped at Rs 100 worth ICICI Bank Reward points per month
• Get 2 ICICI Bank Reward Points on every Rs. 100 spent on retail purchases
• BookMyShow and Inox Offer: Get 25% discount, up to Rs. 100, on purchasing a minimum of 2 movie tickets, per transaction at BookMyShow and INOX. This benefit can be availed twice a month for both the platforms
• Airport Lounge access: Relax in luxury and enjoy gourmet meals, comfortable seating, free Wi-Fi, widescreen TVs, and beverage services
• Domestic Airport Lounge Benefit: Avail complimentary airport lounge access, per quarter by spending Rs. 35,000 in a calendar quarter on the card to avail this facility in the next calendar quarter
• Chip and PIN Security
• 24x7 Road side assistance

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

Pros

• 5% cashback on fuel purchases
• 5% accelerated Reward Points on categories such as departmental stores, electricity and mobile bills capped at Rs 100 worth ICICI Bank Reward points per month
• Domestic Airport Lounge Benefit: Avail complimentary airport lounge access, per quarter by spending Rs. 35,000 in a calendar quarter

Cons

• No dining benefits
• No golf benefits
• No international lounge access