Scapia (Federal Bank) vs RBL World Safari (2026)
The same 0%-forex trade, free vs ₹3,000 a year — Scapia's 2% coins beat Safari's 0.5% points and its fee, so Safari has to argue very hard.
Head to head
| Metric | Scapia (Federal Bank) | RBL World Safari |
|---|---|---|
| Our rank | #24 | #39 |
| Annual fee | ₹0 + GST | ₹3,000 + GST |
| Fee waiver | None | None |
| Forex markup | Nil — 0% markup (official KFS) | Nil — 0% markup, a World Safari-specific carve-out (3.5% standard on RBL cards) |
| APR | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) | Bureau-score-tiered: 3.35%/mo (40.20%/yr) at CIBIL >775; 3.85%/mo (46.20%/yr) at 725–775; 3.99%/mo (47.88%/yr) below 725 |
| Effective reward rate | 2.0% | 0.5% |
| Currency | Scapia Coins | RBL Reward Points |
| House value | ₹0.20/pt | ₹0.25/pt |
| Welcome benefit | None — lifetime free with no joining bonus; the 0% forex is the pitch | ₹3,000 MakeMyTrip voucher — one transaction within 30 days + fee payment in the first cycle; voucher emailed within 60 days |
| Lounge doors opened | 72 of 644 | 73 of 644 |
| Income — salaried | not published | not published |
| Income — self-employed | not published | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual 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. Tune it to your own spend in the calculator.
Scapia (Federal Bank) out-earns RBL World Safari at every spend level we model, from ₹25k to ₹5L a month.
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, Scapia (Federal Bank) nets ₹26,400 against ₹20,330 — a ₹6,070 gap. At ₹5L/month, Scapia (Federal Bank) nets ₹1,32,000 against ₹48,650 — a ₹83,350 gap. Lounge chasers: RBL World Safari opens 73 of 644 tracked doors to Scapia (Federal Bank)'s 72.
Our standing verdicts: Scapia (Federal Bank) — Keep; RBL World Safari — Keep. On our board, Scapia (Federal Bank) sits at #24 to RBL World Safari's #39 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →