Scapia (Federal Bank) vs Federal Bank Imperio (2026)
Scapia (Federal Bank) marks foreign spend up 0.0% against Federal Bank Imperio's 3.5% — 3.5pp on every rupee you spend abroad, before either card earns a point on it.
Head to head
| Scapia (Federal Bank) | Metric | Federal Bank Imperio |
|---|---|---|
| #33 — wins this row | Our rank | #91 |
| ₹0 — lifetime free | Fee — joining · annual (+ GST) | ₹0 — lifetime free |
| None | Fee waiver | None |
| Nil — 0% markup (official KFS) — wins this row | Forex markup | 3.5% |
| 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) | APR | 1.99%/mo (23.88%/yr) to 3.75%/mo (45%/yr), set by banking relationship |
| 2.0% — wins this row | Headline earn rate | 0.2% |
| Scapia Coins | Currency | Federal Bank Reward Points |
| ₹0.20/pt | House value | ₹0.25/pt |
| None — lifetime free with no joining bonus; the 0% forex is the pitch | Welcome benefit | ₹400 Amazon Pay e-voucher on ₹5,000 spend in the first 30 days |
| 72 of 789 | Lounge doors opened | 72 of 789 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: Scapia (Federal Bank) and Federal Bank Imperio are both open to a direct application.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Scapia (Federal Bank) out-earns Federal Bank Imperio at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
Scapia (Federal Bank) leads at all 20 steps, but not by the same amount: ₹4,747 at ₹0.25L a month, ₹1,17,757 at ₹5L — the gap fans out with spend, widest at ₹5L (₹1,17,757).
Scapia (Federal Bank) draws above the line, Federal Bank Imperio below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Scapia (Federal Bank) | Federal Bank Imperio | In front |
|---|---|---|---|
| ₹0.25L | ₹6,600 | ₹1,853 | Scapia (Federal Bank) by ₹4,747 |
| ₹0.5L | ₹13,200 | ₹2,504 | Scapia (Federal Bank) by ₹10,696 |
| ₹0.75L | ₹19,800 | ₹3,157 | Scapia (Federal Bank) by ₹16,643 |
| ₹1L | ₹26,400 | ₹3,809 | Scapia (Federal Bank) by ₹22,591 |
| ₹1.25L | ₹33,000 | ₹4,461 | Scapia (Federal Bank) by ₹28,539 |
| ₹1.5L | ₹39,600 | ₹5,113 | Scapia (Federal Bank) by ₹34,487 |
| ₹1.75L | ₹46,200 | ₹5,765 | Scapia (Federal Bank) by ₹40,435 |
| ₹2L | ₹52,800 | ₹6,417 | Scapia (Federal Bank) by ₹46,383 |
| ₹2.25L | ₹59,400 | ₹7,070 | Scapia (Federal Bank) by ₹52,330 |
| ₹2.5L | ₹66,000 | ₹7,721 | Scapia (Federal Bank) by ₹58,279 |
| ₹2.75L | ₹72,600 | ₹8,374 | Scapia (Federal Bank) by ₹64,226 |
| ₹3L | ₹79,200 | ₹9,026 | Scapia (Federal Bank) by ₹70,174 |
| ₹3.25L | ₹85,800 | ₹9,678 | Scapia (Federal Bank) by ₹76,122 |
| ₹3.5L | ₹92,400 | ₹10,330 | Scapia (Federal Bank) by ₹82,070 |
| ₹3.75L | ₹99,000 | ₹10,982 | Scapia (Federal Bank) by ₹88,018 |
| ₹4L | ₹1,05,600 | ₹11,634 | Scapia (Federal Bank) by ₹93,966 |
| ₹4.25L | ₹1,12,200 | ₹12,287 | Scapia (Federal Bank) by ₹99,913 |
| ₹4.5L | ₹1,18,800 | ₹12,938 | Scapia (Federal Bank) by ₹1,05,862 |
| ₹4.75L | ₹1,25,400 | ₹13,591 | Scapia (Federal Bank) by ₹1,11,809 |
| ₹5L | ₹1,32,000 | ₹14,243 | Scapia (Federal Bank) by ₹1,17,757 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
Scapia (Federal Bank) · 1 more →
- Coins spend ONLY on Scapia-app travel — no cashback, no transfers, app-dependency risk
- Feb-2026 nerf: lounge bar doubled to ₹20k/month; insurance & utility earn killed
- Zero coins on international spends — abroad it's purely a 0%-forex card
Federal Bank Imperio · 3 more →
- 0.17% base earn — the thinnest reward rate in this index (1 point per ₹150 at ₹0.25 a point)
- Federal reward points are closed-loop: portal catalogue only, ₹99 a redemption request, 'cash' redemption at just ₹0.10 a point, no transfer partners
- 3.5% forex — Celesta, the other lifetime-free Federal card, charges 2% and adds international lounges
The call
For the ₹1L/month spender, Scapia (Federal Bank) nets ₹26,400 against ₹3,809 — a ₹22,591 gap. At ₹5L/month, Scapia (Federal Bank) nets ₹1,32,000 against ₹14,243 — a ₹1,17,757 gap. Lounge chasers get no tiebreak here: both open 72 of 789 tracked doors.
Our standing verdicts: Scapia (Federal Bank) — Keep; Federal Bank Imperio — Keep. On our board, Scapia (Federal Bank) sits at #33 to Federal Bank Imperio's #91 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, Scapia (Federal Bank) or Federal Bank Imperio?
Scapia (Federal Bank). It sits at #33 on our board to Federal Bank Imperio's #91. Scapia (Federal Bank) takes 6 of the 6 rounds we can score. Scapia (Federal Bank) out-earns Federal Bank Imperio at every spend level we model, from ₹25k to ₹5L a month.
Scapia (Federal Bank) or Federal Bank Imperio — which earns more at ₹3L a month?
At ₹3L a month, Scapia (Federal Bank) nets ₹79,200 against ₹9,026 — a ₹70,174 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Scapia (Federal Bank) or Federal Bank Imperio?
They cost the same to get: ₹0 — lifetime free. Scapia (Federal Bank) waives its fee at no spend level — there is no waiver; Federal Bank Imperio at no spend level — there is no waiver.
Which gets you into more airport lounges, Scapia (Federal Bank) or Federal Bank Imperio?
Lounge chasers get no tiebreak here: both open 72 of 789 tracked doors. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-07-26. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.