All credit cardsRates verified 26 Jul 2026Rates verified 26 Jul 2026
HDFC Millennia vs Scapia Federal
Quick answer
Scapia Federal wins this comparison on 6 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
HDFC Bank
HDFC Millennia
Visa · Mastercard
Federal Bank
Scapia Federal
Visa · RuPay
Our pick
Scapia Federal edges it for most people.
It wins on 6 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | HDFC Millennia | Scapia Federal |
|---|---|---|
| Annual fee | ₹1,000 | Free ✓ |
| Top reward rate | 5% | 10% ✓ |
| Lounge visits/yr | 4 (gated) | Unlimited (gated) ✓ |
| Forex markup | 4% | 0% ✓ |
| APR (per year) | 45% | 42% ✓ |
| Min income/mo | ₹30,000 | ₹25,000 ✓ |
No paid placement. Approval and final terms come from the issuer's key fact statement.
Common questions
- Which is better: HDFC Millennia or Scapia Federal?
- Scapia Federal edges this MoneyRadar comparison because it wins more of the fee, reward, lounge, forex and APR checks. Still choose the card that matches your biggest spend category.
- How should I choose between HDFC Millennia and Scapia Federal?
- Start with annual fee and fee waiver, then compare rewards on your top two spend categories, lounge access only if you actually travel, and forex markup if you spend internationally.
- Should I carry a balance on either credit card?
- No. HDFC Millennia and Scapia Federal both charge high credit-card APRs when you revolve a balance. Pay the full bill monthly; interest can wipe out rewards many times over.