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ICICI Sapphiro Credit Card vs Scapia Federal Credit Card

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

TravelCard A

ICICI Sapphiro Credit Card

Mid-Premium Travellers

Annual Fee
₹3,500
Reward Rate
2 RP per ₹100 domestic (0.5% value)
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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)
Apply Now Read full review →

Feature comparison

FeatureICICI SapphiroScapia Federal
Annual Fee₹3,500 + GST; Joining ₹6,500 + GST (Waived on ₹6L annual spend)Lifetime Free
Reward Rate2 RP per ₹100 domestic (0.5% value)Zero Forex + ~2% effective value (10 Scapia Coins per ₹100)
Best ForMid-Premium TravellersBackpackers & Globetrotters
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryICICI SapphiroScapia Federal
Domestic travel
International travel
UPI payments
Airport lounge access
Zero forex markup

Quick verdict

Choose ICICI Sapphiro Credit Card 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 ₹3,500)
  • You spend heavily on international travel
  • You spend heavily on upi payments
  • You spend heavily on zero forex markup
  • This is your first credit card

Full pros & cons

ICICI Sapphiro Credit Card

What's good
  • 4 domestic lounge visits per quarter + 2 international visits per year via DreamFolks
  • 4X reward points on international spends (4 RP per ₹100, worth 1% back)
  • Welcome vouchers worth ₹9,500+ (Tata CLiQ, Croma, EaseMyTrip, Uber) and up to 20,000 milestone RPs annually
Watch out for
  • Domestic lounge access requires ₹75,000 spend in the previous calendar quarter to unlock
  • Low domestic reward rate — 2 RP per ₹100 at ₹0.25/point is just 0.5% back
  • Annual RP cap of 20,000 points (worth ₹5,000) limits heavy spenders
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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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