All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
Scapia Federal vs Amazon Pay ICICI
Quick answer
Scapia Federal wins this comparison on 4 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
Federal Bank
Scapia Federal
Visa
ICICI Bank
Amazon Pay ICICI
Visa
Our pick
Scapia Federal edges it for most people.
It wins on 4 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | Scapia Federal | Amazon Pay ICICI |
|---|---|---|
| Annual fee | Free | Free |
| Top reward rate | 10% ✓ | 5% |
| Lounge visits/yr | Unlimited ✓ | 0 |
| Forex markup | 0% ✓ | 4% |
| APR (per year) | 42% ✓ | 45% |
| Min income/mo | ₹25,000 | ₹20,000 ✓ |