IRCTC RBL Bank Credit Card vs Scapia Federal Bank Credit Card
How IRCTC RBL Bank 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
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
Quick take
Scapia Federal Bank Credit Card is lifetime-free, while IRCTC RBL Bank Credit Card carries a fee (₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised)). If you won't reliably hit IRCTC RBL Bank Credit Card's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep.
IRCTC RBL Bank Credit Card — better for frequent train travellers who book on the irctc website/app and want railway-lounge access plus a transaction-charge waiver on rail tickets.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| IRCTC RBL Bank Credit CardRBL Bank | Scapia Federal Bank Credit CardFederal Bank | |
|---|---|---|
| Annual fee | ₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised) | Nil — lifetime-free |
| Reward rate | 5 RP/₹200 on IRCTC train tickets; 3 RP/₹200 on FASTag/NCMC; 2 RP/₹200 on IRCTC flights/hotels/tourism; 1 RP/₹200 on other select spends. 1 RP = ₹1 when redeemed on IRCTC. | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | No | Yes |
| Network | RuPay | Visa |
| Eligibility | approx: salaried/self-employed adults (age ~21-65); specific minimum income not published by RBL/aggregators | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| Best for | Frequent train travellers who book on the IRCTC website/app and want railway-lounge access plus a transaction-charge waiver on rail tickets. | Travellers who want zero forex markup and lounge access at no annual fee. |
IRCTC RBL Bank Credit Card
- 5 RP per ₹200 on IRCTC train tickets; 3 RP/₹200 on FASTag/NCMC recharge; 2 RP/₹200 on IRCTC flights & hotels; 1 RP/₹200 on other spends (1 RP = ₹1 on IRCTC)
- 8 complimentary IRCTC Executive railway lounge visits per year (max 2 per quarter, primary cardholder only; guests chargeable)
- 1% IRCTC train-booking transaction-charge waiver on transactions up to ₹5,000, capped at ₹200/month (reversed in next statement)
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
IRCTC RBL Bank Credit Card vs Scapia Federal Bank Credit Card — FAQs
Neither is universally better. IRCTC RBL Bank Credit Card suits frequent train travellers who book on the irctc website/app and want railway-lounge access plus a transaction-charge waiver on rail tickets. 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 IRCTC RBL Bank Credit Card carries a fee (₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised)). If you won't reliably hit IRCTC RBL Bank Credit Card's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep. On rewards, IRCTC RBL Bank Credit Card gives 5 reward points per ₹200 on irctc train ticket bookings (1 rp = ₹1 on irctc), i.e. ~2.5% value back on rail tickets. 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 IRCTC RBL Bank Credit Card charges ₹500 + GST joining fee; ₹500 + GST annual/renewal fee (no spend-based waiver advertised) (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.