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Federal Scapia vs ICICI Manchester United Signature

Compare Federal Scapia vs ICICI Manchester United Signature across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

ICICI Manchester United Signature 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

ICICI Manchester United Signature

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.2
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
ICICI Manchester United Signature - ICICI credit card
Balanced value5.2

icici / MASTERCARD

ICICI Manchester United Signature

Annual

₹2,499

Return

3%

Lounges

6

Forex

3.5%

Card summary
  • ICICI Manchester United Signature leans reward-led with ₹2,499 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,499 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

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

Full card details
Metric
Federal Scapia
ICICI Manchester United Signature
Fees
Annual fee
₹0
₹2,499
Joining fee
₹0
₹2,499
Rewards
Cashback rate
1%
1%
Reward rate
2%
3%
Travel
Forex markup
0%
3.5%
Domestic lounges
2
4
International lounges
0
2
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
No
Yes
Eligibility
Minimum income
₹3,00,000
₹6,00,000

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