OneCard Metal vs Scapia (Federal Bank) (2026)
Scapia (Federal Bank) vs OneCard Metal: 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 lifetime-free forex cards: OneCard's 1% markup with zero lounges vs Scapia's 0% markup, unlimited domestic lounges and 2% coins — the free card that does more wins easily.
Scapia (Federal Bank) out-earns OneCard Metal at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 10 compared
Head to head
| OneCard Metal | Metric | Scapia (Federal Bank) |
|---|---|---|
| paused | Our rank | #33 |
| ₹0 — lifetime free | Fee — joining · annual (+ GST) | ₹0 — lifetime free |
| None | Fee waiver | None |
| 1% + GST | Forex markup | Nil — 0% markup (official KFS) — wins this row |
| Varies by issuing bank; OneCard app quotes a dynamic rate (~1.5%–3.5%/mo) set per issuer | APR | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) |
| 0.2% | Headline earn rate | 2.0% — wins this row |
| OneCard Reward Points | Currency | Scapia Coins |
| ₹0.10/pt | House value | ₹0.20/pt |
| None — lifetime free with no joining bonus; the 1% forex is the pitch | Welcome benefit | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| 0 of 793 | Lounge doors opened | 72 of 793 — wins this row |
Neither issuer publishes an income floor for these two. OneCard Metal is not taking new applications; Scapia (Federal Bank) is open to a direct application. How people actually get OneCard Metal is on its card page.
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 OneCard Metal 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: ₹5,640 at ₹0.25L a month, ₹1,12,800 at ₹5L — the gap fans out with spend, widest at ₹5L (₹1,12,800).
OneCard Metal draws above the line, Scapia (Federal Bank) below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | OneCard Metal | Scapia (Federal Bank) | In front |
|---|---|---|---|
| ₹0.25L | ₹960 | ₹6,600 | Scapia (Federal Bank) by ₹5,640 |
| ₹0.5L | ₹1,920 | ₹13,200 | Scapia (Federal Bank) by ₹11,280 |
| ₹0.75L | ₹2,880 | ₹19,800 | Scapia (Federal Bank) by ₹16,920 |
| ₹1L | ₹3,840 | ₹26,400 | Scapia (Federal Bank) by ₹22,560 |
| ₹1.25L | ₹4,800 | ₹33,000 | Scapia (Federal Bank) by ₹28,200 |
| ₹1.5L | ₹5,760 | ₹39,600 | Scapia (Federal Bank) by ₹33,840 |
| ₹1.75L | ₹6,720 | ₹46,200 | Scapia (Federal Bank) by ₹39,480 |
| ₹2L | ₹7,680 | ₹52,800 | Scapia (Federal Bank) by ₹45,120 |
| ₹2.25L | ₹8,640 | ₹59,400 | Scapia (Federal Bank) by ₹50,760 |
| ₹2.5L | ₹9,600 | ₹66,000 | Scapia (Federal Bank) by ₹56,400 |
| ₹2.75L | ₹10,560 | ₹72,600 | Scapia (Federal Bank) by ₹62,040 |
| ₹3L | ₹11,520 | ₹79,200 | Scapia (Federal Bank) by ₹67,680 |
| ₹3.25L | ₹12,480 | ₹85,800 | Scapia (Federal Bank) by ₹73,320 |
| ₹3.5L | ₹13,440 | ₹92,400 | Scapia (Federal Bank) by ₹78,960 |
| ₹3.75L | ₹14,400 | ₹99,000 | Scapia (Federal Bank) by ₹84,600 |
| ₹4L | ₹15,360 | ₹1,05,600 | Scapia (Federal Bank) by ₹90,240 |
| ₹4.25L | ₹16,320 | ₹1,12,200 | Scapia (Federal Bank) by ₹95,880 |
| ₹4.5L | ₹17,280 | ₹1,18,800 | Scapia (Federal Bank) by ₹1,01,520 |
| ₹4.75L | ₹18,240 | ₹1,25,400 | Scapia (Federal Bank) by ₹1,07,160 |
| ₹5L | ₹19,200 | ₹1,32,000 | Scapia (Federal Bank) by ₹1,12,800 |
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
OneCard Metal · 2 more →
- New issuance has been RBI-frozen since Dec 2025 (co-branded data-sharing audit) — existing cards keep working, but you likely can't get one right now
- No lounge access at all — not domestic, not international, despite the metal
- 0.2% base earn; 1% only on two categories, closed-loop cashback at ₹0.10/point
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 ₹3,840 — a ₹22,560 gap. At ₹5L/month, Scapia (Federal Bank) nets ₹1,32,000 against ₹19,200 — a ₹1,12,800 gap. Lounge chasers: Scapia (Federal Bank) opens 72 of 793 tracked doors to OneCard Metal's 0.
Our standing verdicts: OneCard Metal — Keep; Scapia (Federal Bank) — Keep. Scapia (Federal Bank) takes 6 of the 6 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, OneCard Metal or Scapia (Federal Bank)?
Scapia (Federal Bank). Scapia (Federal Bank) takes 6 of the 6 rounds we can score. Scapia (Federal Bank) out-earns OneCard Metal at every spend level we model, from ₹25k to ₹5L a month.
OneCard Metal or Scapia (Federal Bank) — which earns more at ₹3L a month?
At ₹3L a month, Scapia (Federal Bank) nets ₹79,200 against ₹11,520 — a ₹67,680 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, OneCard Metal or Scapia (Federal Bank)?
They cost the same to get: ₹0 — lifetime free. OneCard Metal waives its fee at no spend level — there is no waiver; Scapia (Federal Bank) at no spend level — there is no waiver.
Which gets you into more airport lounges, OneCard Metal or Scapia (Federal Bank)?
Lounge chasers: Scapia (Federal Bank) opens 72 of 793 tracked doors to OneCard Metal's 0. 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: OneCard Metal on 2026-08-01, 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 OneCard (issued via partner banks) and Federal Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 16 of them, each with the day we read it
- official Product site (no joining/annual/redemption fees; 5X on top-2 categories; points never expire; partner-bank footer now lists 6 — Federal, BOBCARD, CSB, SBM, Indian)
- community CardInsider review, upd. 30-Apr-2026 (1% forex, 1 RP/₹50, 5X top-2 needs 3+ categories, ₹0.10/pt, no lounge)
- community 5X three-category rule explainer
- official OneCard FAQ — enabled by Visa/Mastercard/RuPay networks; lifetime free; "lowest forex fees in the market @ just 1%"
- community Inc42 (06-Dec-2025) — RBI sent letters to every OneCard partner bank asking them to pause new issuances while it examines data-sharing under the Mar-2024 co-branded-card rules
- community Entrackr (25-Apr-2026) — RBI appoints a firm for a unified audit of FPL's partnership/data-sharing framework
- official IDFC FIRST Bank — "OneCard replaced by FIRST Wealth Without Limit" migration page (a FIRST Select variant exists too)
- community Kiwi vs OneCard — UPI rollout, earn unpublished
- official OneCard — FD-backed route via SBM/Federal, deposits from ₹5,000
- official Indian Bank's own OneCard page — "Indian Bank One Co-branded credit card, a Mobile-first Metal Credit Card, fully controlled by the OneCard app", lifetime free
- official BOBCARD's card catalogue — its "BOBCARD One" entry carries the OneCard feature set and the OneCard app, with nothing of BOBCARD's own attached
- 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)