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| Feature | Federal Bank Scapia Federal Credit Card | DCB Bank DCB Novio Select Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Federal Bank | DCB Bank |
| Network | Visa + RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 2% | 0% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Travel & hotels | 4% · Scapia travel booking Coins | No rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | Unlimited domestic airport lounge visits | 4 domestic airport lounge visits per year |
| Forex markup | 0% | 2.5% |
| Monthly income requirement | Not listed | Fixed-deposit backed |
| Terms verified | 14 Sept 2026 | 24 Sept 2026 |
| Best suited to | Holiday travelers, overseas shoppers, and digital nomads seeking zero forex markup. | New-to-credit users who can keep a DCB fixed deposit and value app-based UPI rewards. |
| Main trade-off | Lounge access requires ₹20,000 combined monthly spend across the Scapia Visa and RuPay cards. Redemptions are tied to the Scapia travel portal. | Novio Coins have no inherent monetary value and cannot be cashed out. Voucher redemption requires a separate UPI contribution and variable discount, so GainFair assigns zero reward value. Lounge access applies to Select, not Platinum. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
