SBI Card ELITE vs Scapia Federal Bank Credit Card
How SBI Card ELITE 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 SBI Card ELITE carries a fee (₹4,999 + GST joining and renewal; renewal fee waived on annual spends of ₹10 lakh or more). If you won't reliably hit SBI Card ELITE's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep.
SBI Card ELITE — better for frequent travellers and entertainment spenders with ₹60k+ monthly income who want lounge access, milestone bonus points and a movie benefit, and can absorb the ₹4,999 fee against the ₹5,000 welcome voucher.
Scapia Federal Bank Credit Card — better for travellers who want zero forex markup and lounge access at no annual fee.
Side by side
| SBI Card ELITESBI Card | Scapia Federal Bank Credit CardFederal Bank | |
|---|---|---|
| Annual fee | ₹4,999 + GST joining and renewal; renewal fee waived on annual spends of ₹10 lakh or more | Nil — lifetime-free |
| Reward rate | 2 RP per ₹100 base (~0.5%); 5X = 10 RP per ₹100 on dining/grocery/departmental stores (~2.5%, cap 10,000 RP/month); 1 RP = ₹0.25 (4 RP = ₹1) | 20% coins on in-app travel, 10% other (5 coins = ₹1); 0% forex |
| Lifetime-free | No | Yes |
| Network | Visa / Mastercard / RuPay / American Express | Visa |
| Eligibility | Approx age 21-70 years; minimum income approx ₹60,000/month (aggregator-sourced) | 21–65 yrs (salaried) / 25–65 (self-employed); resident Indian |
| Best for | Frequent travellers and entertainment spenders with ₹60k+ monthly income who want lounge access, milestone bonus points and a movie benefit, and can absorb the ₹4,999 fee against the ₹5,000 welcome voucher. | Travellers who want zero forex markup and lounge access at no annual fee. |
SBI Card ELITE
- Up to 50,000 bonus Reward Points/year on milestones (10k each at ₹3L & ₹4L spend, 15k each at ₹5L & ₹8L)
- Complimentary Priority Pass: 6 international lounge visits/year (max 2/quarter) + 8 domestic lounge visits/year
- 5X Reward Points (10 RP/₹100) on dining, groceries & departmental stores, capped 10,000 RP/month; 2 free BookMyShow tickets/month (up to ₹250 each)
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
SBI Card ELITE vs Scapia Federal Bank Credit Card — FAQs
Neither is universally better. SBI Card ELITE suits frequent travellers and entertainment spenders with ₹60k+ monthly income who want lounge access, milestone bonus points and a movie benefit, and can absorb the ₹4,999 fee against the ₹5,000 welcome voucher. 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 SBI Card ELITE carries a fee (₹4,999 + GST joining and renewal; renewal fee waived on annual spends of ₹10 lakh or more). If you won't reliably hit SBI Card ELITE's waiver spend, Scapia Federal Bank Credit Card is the cheaper card to keep. On rewards, SBI Card ELITE gives welcome e-gift voucher worth ₹5,000 (offsets the first-year fee) plus up to 50,000 bonus reward points per year via spend milestones. 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 SBI Card ELITE charges ₹4,999 + GST joining and renewal; renewal fee waived on annual spends of ₹10 lakh or more (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.