All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
Scapia Federal vs HDFC Millennia
Quick answer
Scapia Federal wins this comparison on 6 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
HDFC Bank
HDFC Millennia
Visa · Mastercard
Our pick
Scapia Federal edges it for most people.
It wins on 6 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 | HDFC Millennia |
|---|---|---|
| Annual fee | Free ✓ | ₹1,000 |
| Top reward rate | 10% ✓ | 5% |
| Lounge visits/yr | Unlimited ✓ | 8 |
| Forex markup | 0% ✓ | 4% |
| APR (per year) | 42% ✓ | 45% |
| Min income/mo | ₹25,000 ✓ | ₹30,000 |