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Credit CardsComparisons

HDFC Diners Club Black vs Scapia Federal Credit Card

A head-to-head comparison of HDFC Diners Club Black and Scapia Federal Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

TravelCard A

HDFC Diners Club Black

Frequent Flyers

Annual Fee
₹10,000
Reward Rate
10X on SmartBuy (capped at 75K points/month)
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TravelCard B

Scapia Federal Credit Card

Backpackers & Globetrotters

Annual Fee
Lifetime Free
Reward Rate
Zero Forex + ~2% effective value (10 Scapia Coins per ₹100)
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Feature comparison

FeatureHDFC DinersScapia Federal
Annual Fee₹10,000 (Waived on ₹8L spend)Lifetime Free
Reward Rate10X on SmartBuy (capped at 75K points/month)Zero Forex + ~2% effective value (10 Scapia Coins per ₹100)
Best ForFrequent FlyersBackpackers & Globetrotters
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC DinersScapia Federal
Domestic travel
International travel
UPI payments
Airport lounge access
Zero forex markup

Quick verdict

Choose HDFC Diners Club Black if:

  • You spend heavily on domestic travel
  • You spend heavily on airport lounge access

Choose Scapia Federal Credit Card if:

  • Lower annual fee (₹Nil vs ₹10,000)
  • You spend heavily on upi payments
  • You spend heavily on zero forex markup
  • This is your first credit card

Full pros & cons

HDFC Diners Club Black

What's good
  • Unlimited global lounge access via Diners Club network
  • Outstanding milestone benefits on annual spends
  • 10X reward points on select SmartBuy categories (hotels, partner brands); 5X on flights
Watch out for
  • Diners Club network acceptance is lower than Visa/Mastercard offline in India
  • High ₹8L annual spend requirement for fee waiver (Standard variant no longer open for new applications)
  • SmartBuy 10X categories are fixed but can change at bank's discretion; monthly cap of 75,000 points
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Scapia Federal Credit Card

What's good
  • 0% Forex Markup on all international transactions
  • Dual setup: Visa for global travel, RuPay for 5% rewards on UPI/offline spends of ₹500+
  • Book flights and hotels entirely with Scapia coins directly in the app
Watch out for
  • Lounge access requires ₹20,000 combined spend in the previous month (doubled from ₹10,000 in February 2026)
  • Scapia Coins cannot be converted to statement cash
  • No rewards on utility bill payments (electricity, mobile, broadband, gas) and insurance premiums (effective February 2026)
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