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Federal Scapia vs HDFC Business Regalia

Compare Federal Scapia vs HDFC Business Regalia across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Business Regalia leads on reward rate, while Federal Scapia has the lowest annual fee.

Card 1

Federal Scapia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.4

Card 2

HDFC Business Regalia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.2
Federal Scapia - FEDERAL credit card
No-fee value5.4

federal / VISA

Federal Scapia

Annual

₹0

Return

2%

Lounges

2

Forex

0%

Card summary
  • Federal Scapia leans travel and lifestyle with ₹0 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
HDFC Business Regalia - HDFC credit card
Balanced value8.2

hdfc / VISA

HDFC Business Regalia

Annual

₹2,500

Return

4%

Lounges

12

Forex

2%

Card summary
  • HDFC Business Regalia leans travel and lifestyle with ₹2,500 annual fee, 4% headline return potential, and 12 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,500 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 12 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹15,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
Federal Scapia
HDFC Business Regalia
Fees
Annual fee
₹0
₹2,500
Joining fee
₹0
₹2,500
Rewards
Cashback rate
1%
1%
Reward rate
2%
4%
Travel
Forex markup
0%
2%
Domestic lounges
2
8
International lounges
0
4
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
No
No
Eligibility
Minimum income
₹3,00,000
₹15,00,000

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