MakeMyTrip ICICI Bank vs Scapia (Federal Bank) (2026)
Scapia (Federal Bank) vs MakeMyTrip ICICI Bank: which wins?
₹79,200ranking value a year at ₹3L a month, to Scapia (Federal Bank)
Skip the duel — the board, ranked → · nothing to sign up for
Two cheap travel cards that die inside an app: MMT's 0.99% forex + 6% hotel myCash at ₹999 vs Scapia's 0% forex and coins for free — Scapia wins the border, MMT wins the booking.
Scapia (Federal Bank) out-earns MakeMyTrip ICICI Bank at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| MakeMyTrip ICICI Bank | Metric | Scapia (Federal Bank) |
|---|---|---|
| #93 | Our rank | #33 — wins this row |
| ₹999/yr | Fee — joining · annual (+ GST) | ₹0 — lifetime free — wins this row |
| ₹3,00,000 spend | Fee waiver | None |
| 0.99% + GST | Forex markup | Nil — 0% markup (official KFS) — wins this row |
| 3.75%/mo (45%/yr) | APR | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) |
| 1.0% | Headline earn rate | 2.0% — wins this row |
| MakeMyTrip myCash | Currency | Scapia Coins |
| ₹1.00/pt | House value | ₹0.20/pt |
| ₹1,000 MakeMyTrip voucher (valid 1 year) + MMTBLACK Gold membership; ₹1,000 more on every renewal (valid 3 months) | Welcome benefit | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| 735 of 793 — wins this row | Lounge doors opened | 72 of 793 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: MakeMyTrip ICICI Bank and Scapia (Federal Bank) 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 →
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) out-earns MakeMyTrip ICICI Bank at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
Scapia (Federal Bank) leads at all 20 steps, but not by the same amount: ₹2,850 at ₹0.25L a month, ₹57,000 at ₹5L — the gap fans out with spend, widest at ₹5L (₹57,000).
MakeMyTrip ICICI Bank pays a renewal bonus whatever you spend, and Scapia (Federal Bank) pays nothing to stay.
MakeMyTrip ICICI Bank draws above the line, Scapia (Federal Bank) below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | MakeMyTrip ICICI Bank | Scapia (Federal Bank) | In front |
|---|---|---|---|
| ₹0.25L | ₹3,750 | ₹6,600 | Scapia (Federal Bank) by ₹2,850 |
| ₹0.5L | ₹7,500 | ₹13,200 | Scapia (Federal Bank) by ₹5,700 |
| ₹0.75L | ₹11,250 | ₹19,800 | Scapia (Federal Bank) by ₹8,550 |
| ₹1L | ₹15,000 | ₹26,400 | Scapia (Federal Bank) by ₹11,400 |
| ₹1.25L | ₹18,750 | ₹33,000 | Scapia (Federal Bank) by ₹14,250 |
| ₹1.5L | ₹22,500 | ₹39,600 | Scapia (Federal Bank) by ₹17,100 |
| ₹1.75L | ₹26,250 | ₹46,200 | Scapia (Federal Bank) by ₹19,950 |
| ₹2L | ₹30,000 | ₹52,800 | Scapia (Federal Bank) by ₹22,800 |
| ₹2.25L | ₹33,750 | ₹59,400 | Scapia (Federal Bank) by ₹25,650 |
| ₹2.5L | ₹37,500 | ₹66,000 | Scapia (Federal Bank) by ₹28,500 |
| ₹2.75L | ₹41,250 | ₹72,600 | Scapia (Federal Bank) by ₹31,350 |
| ₹3L | ₹45,000 | ₹79,200 | Scapia (Federal Bank) by ₹34,200 |
| ₹3.25L | ₹48,750 | ₹85,800 | Scapia (Federal Bank) by ₹37,050 |
| ₹3.5L | ₹52,500 | ₹92,400 | Scapia (Federal Bank) by ₹39,900 |
| ₹3.75L | ₹56,250 | ₹99,000 | Scapia (Federal Bank) by ₹42,750 |
| ₹4L | ₹60,000 | ₹1,05,600 | Scapia (Federal Bank) by ₹45,600 |
| ₹4.25L | ₹63,750 | ₹1,12,200 | Scapia (Federal Bank) by ₹48,450 |
| ₹4.5L | ₹67,500 | ₹1,18,800 | Scapia (Federal Bank) by ₹51,300 |
| ₹4.75L | ₹71,250 | ₹1,25,400 | Scapia (Federal Bank) by ₹54,150 |
| ₹5L | ₹75,000 | ₹1,32,000 | Scapia (Federal Bank) by ₹57,000 |
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
MakeMyTrip ICICI Bank · 1 more →
- myCash is a closed MakeMyTrip wallet — no transfers, no cash-out, per-booking caps
- Base earn off-MMT is a flat 1%
- Domestic lounges need ₹75k of prior-quarter spend
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
The call
For the ₹1L/month spender, Scapia (Federal Bank) nets ₹26,400 against ₹15,000 — a ₹11,400 gap. At ₹5L/month, Scapia (Federal Bank) nets ₹1,32,000 against ₹75,000 — a ₹57,000 gap. Lounge chasers: MakeMyTrip ICICI Bank opens 735 of 793 tracked doors to Scapia (Federal Bank)'s 72.
Our standing verdicts: MakeMyTrip ICICI Bank — Keep; Scapia (Federal Bank) — Keep. Scapia (Federal Bank) takes 7 of the 8 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, MakeMyTrip ICICI Bank or Scapia (Federal Bank)?
Scapia (Federal Bank). Scapia (Federal Bank) takes 7 of the 8 rounds we can score. Scapia (Federal Bank) out-earns MakeMyTrip ICICI Bank at every spend level we model, from ₹25k to ₹5L a month.
MakeMyTrip ICICI Bank or Scapia (Federal Bank) — which earns more at ₹3L a month?
At ₹3L a month, Scapia (Federal Bank) nets ₹79,200 against ₹45,000 — a ₹34,200 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, MakeMyTrip ICICI Bank or Scapia (Federal Bank)?
Scapia (Federal Bank) — ₹0 — lifetime free against ₹999/yr. MakeMyTrip ICICI Bank waives its fee at ₹3,00,000 of spend; Scapia (Federal Bank) at no spend level — there is no waiver.
Which gets you into more airport lounges, MakeMyTrip ICICI Bank or Scapia (Federal Bank)?
Lounge chasers: MakeMyTrip ICICI Bank opens 735 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: MakeMyTrip ICICI Bank on 2026-08-05, Scapia (Federal Bank) 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.
Verified against ICICI Bank and Federal Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 8 of them, each with the day we read it
- official Product page — 6 myCash/₹100 on MMT hotels, 3 on flights/buses/cabs, 1 on all other retail
- official MITC — ₹999 joining + ₹999 annual, fee reversal at ₹3,00,000; 0.99% forex mark-up as a named exception to the 3.50% standard; fuel earns, a named exception to the no-points-on-fuel rule
- community CardInsider review (dual Mastercard+RuPay; UPI earns myCash)
- 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)