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| Feature | Federal Bank Scapia Federal Credit Card | YES BANK YES BANK Paisabazaar PaisaSave RuPay Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Federal Bank | YES BANK |
| Network | Visa + RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 2% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 2% · Scapia Visa Coins | 6% · Dining and travel reward points |
| Travel & hotels | 4% · Scapia travel booking Coins | 6% · Dining and travel reward points |
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 | No complimentary airport lounge access recorded |
| Forex markup | 0% | 3.4% |
| Monthly income requirement | Not listed | Approx. ₹20,000/month |
| Terms verified | 14 Sept 2026 | 21 Sept 2026 |
| Best suited to | Holiday travelers, overseas shoppers, and digital nomads seeking zero forex markup. | Existing YES BANK PaisaSave cardholders who want a RuPay card for UPI plus better dining and travel 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. | Only available to existing PaisaSave cardholders as an upgrade path, not as a standalone new application. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
