IDFC FIRST WOW! Credit Card vs Scapia Federal Bank Credit Card (Visa + complimentary RuPay)
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | IDFC FIRST WOW! Credit Card | Scapia Federal Bank Credit Card (Visa + complimentary RuPay) |
|---|---|---|
| Issuer | IDFC FIRST Bank | Federal Bank |
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Lifetime free: no joining or annual fee (secured card against an IDFC FIRST fixed deposit) | Zero joining and annual fees |
| Everyday spends (value back) | 0.5% | 2% |
| Online shopping (value back) | 0.5% | 2% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 0.5% | 2% |
| UPI (value back) | – | 1% |
| Travel (value back) | 0.5% | 4% |
| Bills and utilities (value back) | 0.13% | 0% |
| Dining and food delivery (value back) | 0.5% | 2% |
| Rewards in short | Secured card against a ₹20,000+ FD with no income proof or credit history. Online, offline and international spends earn 0.5% back in reward points, utilities, insurance, railways and FASTag 0.125%; zero forex markup. | Visa earns 10 rewards per ₹100 (2% value as Scapia Coins for app travel); RuPay earns 5 per ₹100 on UPI and spends of ₹500+; zero forex markup; unlimited domestic lounge at ₹20,000 monthly spend. |
| Works on UPI | No | Yes (RuPay) |
| Airport lounge | None | Unlimited domestic lounge visits, or complimentary dining, shopping or spa at the airport, in any month after spending ₹20,000 in the preceding month. |
| Forex markup | 0% | 0% |
| Fuel surcharge waiver | 1% on fuel transactions of ₹200–₹5,000, up to ₹200 per statement cycle | Not published by the bank |
| Card network | Visa | Visa, RuPay |
| Minimum income (salaried) | Not published by the bank | Not published by the bank |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the IDFC FIRST WOW! Credit Card if
you're new to credit or have no income proof and can keep ₹20,000 in a fixed deposit
Lifetime free
Pick the Scapia Federal Bank Credit Card (Visa + complimentary RuPay) if
you want lounge visits, UPI and 2% back for travel booked in the Scapia app
Lifetime free
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Do I need a fixed deposit for IDFC FIRST WOW?
Yes. WOW needs a fixed deposit of at least ₹20,000 with IDFC FIRST Bank, held in your name alone (not a tax-saver or sweep deposit), and your credit limit is 100% of it. Points are earned only on spends up to that limit in each billing cycle. In return, no income proof or credit history is needed.
Who can get Scapia or WOW?
Federal Bank publishes ages 21 to 65 for salaried and 25 to 65 for self-employed Scapia applicants, who must be resident Indian citizens, but no income figure; it sets its other criteria when you apply. WOW is open to Indian citizens aged 18 to 80, including students and homemakers, because the deposit backs the card.
Can I use WOW or Scapia on UPI?
Only Scapia. Its complimentary RuPay card earns 1% (5 Scapia Coins per ₹100) on UPI, but not on payments below ₹500. WOW is a Visa card and can't be linked to UPI.
Which is better for spending abroad?
Both charge no forex markup. WOW also earns 0.5% back on international spends. Scapia's terms list forex transactions among spends that earn no rewards, so check with Federal Bank before counting on coins for spends abroad.
Full details: IDFC FIRST WOW! Credit Card · Scapia Federal Bank Credit Card (Visa + complimentary RuPay) · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.