Compare RBL Bank Shoprite Credit Card vs Scapia Federal Bank Credit Card

As Welcome Benefit, avail 2,000 Reward Points. To avail this benefit, you’ve to swipe and use the credit card within 30 days of card issuance, and/or pay the annual membership fee by the payment due date
Annual Fee waiver can be availed by making purchases worth Rs. 1.5 Lakhs or more in a membership year
Obtain 20 reward points for every Rs. 100 spent on Grocery shopping- Avail maximum of 1,000 reward points per month
Earn 1 Reward Point for every Rs. 100 spent on other purchases
5% Value back on grocery shopping is considered with each reward point redeemable for up to Rs. 0.25
Avail 10% discount, up to Rs. 100, on movie tickets at BookMyShow. This is applicable 15 times in a year
With Shoprite Credit Card get waiver of fuel surcharge at all fuel stations. This is valid for fuel transactions between Rs. 500 and Rs. 4000. Maximum waiver is Rs. 100 per month
This Credit Card is available on MasterCard, Visa, and RuPay network

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
* Welcome benefits

* Annual Fee waiver can be availed by making purchases worth Rs. 1.5 Lakhs or more in a membership year

* Obtain 20 reward points for every Rs. 100 spent on Grocery shopping- Avail maximum of 1,000 reward points per month

Cons
* No discounts on flights and hotels through air miles
* No travel benefits
* No golf privileges

Pros