Scapia (Federal Bank) vs IDFC FIRST Mayura (2026)
IDFC FIRST Mayura vs Scapia (Federal Bank): which wins?
₹1,50,977ranking value a year at ₹3L a month, to IDFC FIRST Mayura
Skip the duel — the board, ranked → · nothing to sign up for
Zero forex for free vs zero forex for ₹5,999 — Mayura's portal multipliers and open-ended lounges against Scapia's coin lock-in and ₹20k monthly bar.
Scapia (Federal Bank) wins under ₹0.5L/month; IDFC FIRST Mayura takes over above it.
Every metric, row by row — 12 compared
Head to head
| Scapia (Federal Bank) | Metric | IDFC FIRST Mayura |
|---|---|---|
| #33 | Our rank | #10 — wins this row |
| ₹0 — lifetime free — wins this row | Fee — joining · annual (+ GST) | ₹5,999/yr |
| None | Fee waiver | None |
| Nil — 0% markup (official KFS) | Forex markup | Nil — 0% markup on foreign currency and DCC transactions |
| 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) | APR | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment |
| 2.0% — wins this row | Headline earn rate | 1.7% |
| Scapia Coins | Currency | IDFC FIRST 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 | 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) |
| 72 of 793 | Lounge doors opened | 129 of 793 — wins this row |
| not published | Income — salaried | ~₹25L+/yr (community) |
| not published | Income — self-employed | ~₹25L+/yr (community) |
† IDFC FIRST Mayura: Mayura is one of only two IDFC cards that reach ₹0.50 a point, and only on flight and hotel bookings made through the Travel & Shop section of the FIRST app — its own rewards T&C is explicit that it is "₹0.25 everywhere else", the house value. So the rate below is DOUBLE what these points fetch as vouchers, goods or pay-with-points; earn.base marks them up to the ₹0.50 travel rung and assumes you actually book there. Points cover at most 70% of a booking, redemptions are capped at 1,50,000 points a month, and each one costs ₹99 + GST.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
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) wins under ₹0.5L/month; IDFC FIRST Mayura takes over above it.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.5L a month: Scapia (Federal Bank) is ahead by ₹3,805 at ₹0.25L, IDFC FIRST Mayura by ₹1,21,291 at ₹5L.
IDFC FIRST Mayura pays 2 annual spend milestones, the first at ₹8,00,000 a year, and Scapia (Federal Bank) pays none.
Scapia (Federal Bank) draws above the line, IDFC FIRST Mayura below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Scapia (Federal Bank) | IDFC FIRST Mayura | In front |
|---|---|---|---|
| ₹0.25L | ₹6,600 | ₹2,795 | Scapia (Federal Bank) by ₹3,805 |
| ₹0.5L | ₹13,200 | ₹15,584 | IDFC FIRST Mayura by ₹2,384 |
| ₹0.75L | ₹19,800 | ₹32,123 | IDFC FIRST Mayura by ₹12,323 |
| ₹1L | ₹26,400 | ₹44,912 | IDFC FIRST Mayura by ₹18,512 |
| ₹1.25L | ₹33,000 | ₹61,452 | IDFC FIRST Mayura by ₹28,452 |
| ₹1.5L | ₹39,600 | ₹74,241 | IDFC FIRST Mayura by ₹34,641 |
| ₹1.75L | ₹46,200 | ₹87,031 | IDFC FIRST Mayura by ₹40,831 |
| ₹2L | ₹52,800 | ₹99,819 | IDFC FIRST Mayura by ₹47,019 |
| ₹2.25L | ₹59,400 | ₹1,12,609 | IDFC FIRST Mayura by ₹53,209 |
| ₹2.5L | ₹66,000 | ₹1,25,398 | IDFC FIRST Mayura by ₹59,398 |
| ₹2.75L | ₹72,600 | ₹1,38,188 | IDFC FIRST Mayura by ₹65,588 |
| ₹3L | ₹79,200 | ₹1,50,977 | IDFC FIRST Mayura by ₹71,777 |
| ₹3.25L | ₹85,800 | ₹1,63,766 | IDFC FIRST Mayura by ₹77,966 |
| ₹3.5L | ₹92,400 | ₹1,76,555 | IDFC FIRST Mayura by ₹84,155 |
| ₹3.75L | ₹99,000 | ₹1,89,345 | IDFC FIRST Mayura by ₹90,345 |
| ₹4L | ₹1,05,600 | ₹2,02,134 | IDFC FIRST Mayura by ₹96,534 |
| ₹4.25L | ₹1,12,200 | ₹2,14,924 | IDFC FIRST Mayura by ₹1,02,724 |
| ₹4.5L | ₹1,18,800 | ₹2,27,712 | IDFC FIRST Mayura by ₹1,08,912 |
| ₹4.75L | ₹1,25,400 | ₹2,40,502 | IDFC FIRST Mayura by ₹1,15,102 |
| ₹5L | ₹1,32,000 | ₹2,53,291 | IDFC FIRST Mayura by ₹1,21,291 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
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
IDFC FIRST Mayura · 1 more →
- Closed loop: no airline/hotel transfer partners at all
- ₹0.25/pt outside app travel bookings — half the value
- Lounge and movie perks need ₹20k spend the previous month
The call
For the ₹1L/month spender, IDFC FIRST Mayura nets ₹44,912 against ₹26,400 — a ₹18,512 gap. At ₹5L/month, IDFC FIRST Mayura nets ₹2,53,291 against ₹1,32,000 — a ₹1,21,291 gap. Lounge chasers: IDFC FIRST Mayura opens 129 of 793 tracked doors to Scapia (Federal Bank)'s 72.
Our standing verdicts: Scapia (Federal Bank) — Keep; IDFC FIRST Mayura — Keep. IDFC FIRST Mayura takes 5 of the 7 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Scapia (Federal Bank) or IDFC FIRST Mayura?
IDFC FIRST Mayura. IDFC FIRST Mayura takes 5 of the 7 rounds we can score. Scapia (Federal Bank) wins under ₹0.5L/month; IDFC FIRST Mayura takes over above it.
Scapia (Federal Bank) or IDFC FIRST Mayura — which earns more at ₹3L a month?
At ₹3L a month, IDFC FIRST Mayura nets ₹1,50,977 against ₹79,200 — a ₹71,777 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 IDFC FIRST Mayura?
Scapia (Federal Bank) — ₹0 — lifetime free against ₹5,999/yr. Scapia (Federal Bank) waives its fee at no spend level — there is no waiver; IDFC FIRST Mayura at no spend level — there is no waiver.
Which gets you into more airport lounges, Scapia (Federal Bank) or IDFC FIRST Mayura?
Lounge chasers: IDFC FIRST Mayura opens 129 of 793 tracked doors to Scapia (Federal Bank)'s 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Scapia (Federal Bank) on 2026-07-26, IDFC FIRST Mayura on 2026-09-03. 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.
Verified against Federal Bank and IDFC FIRST Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 12 of them, each with the day we read it
- official Product page — "Zero joining and annual fees", "Zero forex markup on all international transaction"
- official Key Fact Sheet PDF v11 (30-04-2026) — Nil fees, 0% forex, 3.75%/mo APR, late-fee slabs, cash advance 2.5% min ₹500, rent/wallet/fuel/utility 1% fees
- official Scapia site — redemption scope (flights/hotels/trains/buses), UPI 5%
- community CardInsider — Feb-2026 nerf (₹20k gate, insurance/utility/telecom earn killed 27-Feb-2026, 36-month expiry)
- official Scapia summer release — dual Visa + RuPay cards on one account (Jun-2025)
- official Domestic lounge list — the 48 rooms the four quarterly visits can be spent at, addresses and terminals included
- official Product page + FAQs — (₹5,999 joining and annual, no spend waiver; 0% forex; welcome 4,000+4,000+4,000 RP once per customer; milestone ₹8L → 7,500 RP OR ₹15L → 15,000 RP)
- official Rewards T&C PDF (bonus is ADDITIVE — Base (A) 10 + Bonus (B) 30/15 = Total (A+B) 40/25 RP per ₹150 app hotel/flight)
- official Jun-2026 change notice PDF (18-Jun-2026 app bonus 20%/10% = 30/15 RP per ₹150)
- official Bank-wide MITC (₹5,999/₹5,999 with NO spend waiver; NIL forex; add-on ₹4,000 metal / ₹3,000 plastic joining and ₹2,000 annual; ₹199 cash advance; ₹99 redemption fee; ₹3,500)
- community CardInsider review
- official FIRST Digital RuPay add-on (UPI) page