COMPARE
IDFC FIRST WOW! Credit Card vs Scapia Credit Card
On net annual value, Scapia beats IDFC FIRST WOW! Credit Card in all four spend profiles we model, from ₹5,205 a year for everyday spenders to ₹44,095 for high spenders. Scapia includes spend-linked airport lounge access. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | IDFC FIRST WOW! Credit Card | Scapia Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹2,415/yr | ₹7,620/yr✓ +₹5,205/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹3,540/yr | ₹13,140/yr✓ +₹9,600/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹7,110/yr | ₹29,340/yr✓ +₹22,230/yr |
High spender ≈ ₹2.5L/mo across every category | ₹14,465/yr | ₹58,560/yr✓ +₹44,095/yr |
Not in these numbers: Scapia Credit Card adds airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | IDFC FIRST WOW! Credit CardIDFC Reward Points | Scapia Credit CardFederal Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.25BEST | ₹0.25BEST |
| Gift vouchers | ₹0.25BEST | ₹0.25BEST |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| IDFC FIRST WOW! Credit Card | Scapia Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | Free | Free |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee — all-in (incl. 18% GST) | Free | Free |
| Fee waiver at | Lifetime free | Lifetime free |
| Welcome benefit | — | — |
| Rewards | ||
| Best everyday reward | 0.5% on everyday spends | 2% on everyday spends ✓ |
| Base rate — other spends | 0.5% | 2% ✓ |
| Travel | 0.5% | 2% ✓ |
| Utility Bills | 0.13% | — |
| Charges | ||
| Forex markup | 0% | 0% |
| Finance charge | — | 3.75% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| fuel waiver | ~₹500/yr · 1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle | — |
| lounge access | — | ~₹12,000/yr · Unlimited domestic airport lounge access, unlocked by ₹20,000+ spend in a billing cycle (Feb 2026 spend gate) and enabled 3-5 working days after the billing date; below that, lounge visits are self-paid |
| Eligibility | ||
| Min income | — | — |
| Min age | 18+ yrs | — |
| UPI linked | — | Yes |
| Expert rating | 4.0 / 5 | 4.4 / 5 ✓ |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the IDFC FIRST WOW! Credit Card if you want strong rewards on everyday spends. Consider the Scapia Credit Card if you spend more on everyday spends, with lounge access included. Your actual best card depends on how you spend — run your numbers below.
IDFC FIRST WOW! Credit Card vs Scapia Credit Card — FAQs
Which has a lower annual fee, IDFC FIRST WOW! Credit Card or Scapia Credit Card?
As of 11 Oct 2026, neither IDFC FIRST WOW! Credit Card nor Scapia charges an annual fee: both are lifetime free. Neither adds a forex markup either, so IDFC FIRST WOW! Credit Card and Scapia cost nothing extra on foreign-currency spend.
Do IDFC FIRST WOW! Credit Card and Scapia Credit Card offer airport lounge access?
As of 11 Oct 2026, only Scapia includes airport lounge access: it lists unlimited domestic access at airport lounges, unlocked by ₹20,000 of spend. For spending abroad, neither IDFC FIRST WOW! Credit Card nor Scapia adds a forex markup.
Which card has lower forex markup, IDFC FIRST WOW! Credit Card or Scapia Credit Card?
As of 11 Oct 2026, neither IDFC FIRST WOW! Credit Card nor Scapia charges a forex markup, so ₹1,00,000 of foreign-currency spend costs nothing extra in conversion charges on either card.
For a frequent traveller, is the IDFC FIRST WOW! Credit Card or Scapia Credit Card better value?
On figures as of 11 Oct 2026, Scapia comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹29,340 against ₹7,110 on IDFC FIRST WOW! Credit Card, a ₹22,230 gap. That figure leaves out airport lounge access, which only Scapia includes.
For everyday spending, which returns more: IDFC FIRST WOW! Credit Card or Scapia Credit Card?
On figures as of 11 Oct 2026, Scapia comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹7,620 against ₹2,415 on IDFC FIRST WOW! Credit Card, a ₹5,205 gap. Best everyday rates: 0.5% on everyday spends for IDFC FIRST WOW! Credit Card, 2% on everyday spends for Scapia.
Which is better, IDFC FIRST WOW! Credit Card or Scapia Credit Card?
As of 11 Oct 2026, IDFC FIRST WOW! Credit Card earns 0.5% on everyday spends at best, paid as IDFC Reward Points, and Scapia earns 2% on everyday spends outside merchant or portal bonuses, paid as Federal Reward Points. Scapia comes out ahead on net annual value in all four spend profiles we model.