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HDFC TimesPrime vs Federal Scapia

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

Comparison cockpit

Futuristic side-by-side card intelligence

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

Card 1

HDFC TimesPrime

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.5.3

Card 2

Federal Scapia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.5.4
HDFC TimesPrime - HDFC credit card
Balanced value5.3

hdfc / VISA

HDFC TimesPrime

Annual

₹1,500

Return

3%

Lounges

4

Forex

3.5%

Card summary
  • HDFC TimesPrime leans reward-led with ₹1,500 annual fee, 3% headline return potential, and 4 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹1,500 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 4 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
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
Metric
HDFC TimesPrime
Federal Scapia
Fees
Annual fee
₹1,500
₹0
Joining fee
₹1,500
₹0
Rewards
Cashback rate
1.5%
1%
Reward rate
3%
2%
Travel
Forex markup
3.5%
0%
Domestic lounges
4
2
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
No
Eligibility
Minimum income
₹5,00,000
₹3,00,000

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