HDFC Bank Regalia Gold Credit Card vs Scapia Federal Bank Credit Card
How HDFC Bank Regalia Gold Credit Card and Scapia Federal Bank Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Scapia Federal Bank Credit Card is lifetime-free, while HDFC Bank Regalia Gold Credit Card carries a fee (₹2,500 + GST (waived on ₹4L annual spend)). If you won't reliably hit HDFC Bank Regalia Gold Credit Card's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep.
HDFC Bank Regalia Gold Credit Card — better for frequent flyers who want lounge access plus accelerated shopping rewards.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| HDFC Bank Regalia Gold Credit CardHDFC Bank | Scapia Federal Bank Credit CardFederal Bank | |
|---|---|---|
| Annual fee | ₹2,500 + GST (waived on ₹4L annual spend) | Nil — lifetime-free |
| Reward rate | ~1.25% base (5 RP/₹200, from May 2026); 5X at select brands | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | No | Yes |
| Network | Visa / Mastercard | Visa |
| Eligibility | Salaried ₹1L+/mo (21–60); self-employed ITR ≥₹18L (21–65) | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| Best for | Frequent flyers who want lounge access plus accelerated shopping rewards. | Travellers who want zero forex markup and lounge access at no annual fee. |
HDFC Bank Regalia Gold Credit Card
- Complimentary domestic and international airport-lounge visits
- 5X reward points at Myntra, Nykaa, Reliance Digital & M&S (cap 5,000 RP/mo)
- ₹2,500 joining fee offset by a ₹2,500 welcome voucher
Scapia Federal Bank Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee (Federal Bank Key Fact Sheet)
- Zero foreign-exchange markup on international spends
- 20% Scapia Coins on in-app travel, 10% on other spends (5 coins = ₹1); domestic lounge access
HDFC Bank Regalia Gold Credit Card vs Scapia Federal Bank Credit Card — FAQs
Neither is universally better. HDFC Bank Regalia Gold Credit Card suits frequent flyers who want lounge access plus accelerated shopping rewards. Scapia Federal Bank Credit Card suits travellers who want zero forex markup and lounge access at no annual fee. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Scapia Federal Bank Credit Card is lifetime-free, while HDFC Bank Regalia Gold Credit Card carries a fee (₹2,500 + GST (waived on ₹4L annual spend)). If you won't reliably hit HDFC Bank Regalia Gold Credit Card's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep. On rewards, HDFC Bank Regalia Gold Credit Card gives domestic & international airport-lounge access plus 5x points at select brands. whereas Scapia Federal Bank Credit Card gives zero forex markup plus 10–20% scapia coins on spends — and it's lifetime-free.
Scapia Federal Bank Credit Card is lifetime-free (no fee, ever), while HDFC Bank Regalia Gold Credit Card charges ₹2,500 + GST (waived on ₹4L annual spend) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.