IDFC FIRST Millennia Credit Card vs Scapia Federal Bank Credit Card
How IDFC FIRST Millennia 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
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| IDFC FIRST Millennia Credit CardIDFC FIRST Bank | Scapia Federal Bank Credit CardFederal Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | Nil — lifetime-free |
| Reward rate | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | Yes | Yes |
| Network | Visa / RuPay | Visa |
| Eligibility | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| Best for | A no-fee everyday rewards card with points that never expire. | Travellers who want zero forex markup and lounge access at no annual fee. |
IDFC FIRST Millennia Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
- 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
- Reward points never expire
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
IDFC FIRST Millennia Credit Card vs Scapia Federal Bank Credit Card — FAQs
Neither is universally better. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. 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.
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend. On rewards, IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever. whereas Scapia Federal Bank Credit Card gives zero forex markup plus 10–20% scapia coins on spends — and it's lifetime-free.
IDFC FIRST Millennia Credit Card: Nil — lifetime-free. Scapia Federal Bank Credit Card: Nil — lifetime-free. Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
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.