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Scapia Federal Credit Card vs YES BANK UNI Credit Card

Compare Scapia Federal Credit Card and YES BANK UNI Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

Scapia Federal Credit Card vs YES BANK UNI Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 11, 2026
Federal BankScapia Federal Credit Card

Travel-heavy users who want zero forex markup, no annual fee and can naturally meet Scapia's lounge-unlock spend conditions.

Annual fee
Nil in the reviewed Federal Bank MITC
Reviewed
September 11, 2026
Evidence
6 issuer sources
Open card research
YES BANKYES BANK UNI Credit Card

International spenders who primarily care about zero issuer forex markup and can accept a simpler benefit profile.

Annual fee
₹499 + applicable GST for the standard UNI Credit Card; the separate UNI RuPay variant is listed lifetime-free
Reviewed
September 9, 2026
Evidence
2 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

littleden.blog · Comparison research sheet

Scapia Federal Credit Card vs YES BANK UNI Credit Card

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/scapia-federal-credit-card-vs-yes-bank-uni-credit-card/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

Scapia Federal Credit Card

Annual fee
Nil in the reviewed Federal Bank MITC
Fee waiver
Not required under the reviewed nil annual-fee terms

YES BANK UNI Credit Card

Annual fee
₹499 + applicable GST for the standard UNI Credit Card; the separate UNI RuPay variant is listed lifetime-free
Fee waiver
Standard UNI: spend ₹50,000 in the anniversary year to waive renewal fee; separate UNI RuPay variant is listed lifetime-free
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

Scapia Federal Credit Card

Reward rules
Current Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement date

Recorded cautions

  • The lounge unlock is now ₹20,000 total eligible monthly spend per user; older ₹10,000 Visa / ₹15,000 RuPay variant-specific thresholds are superseded by the later note in Federal Bank terms.
  • Unlimited lounge access applies only while the current monthly qualification is met.
  • Rewards and lounge qualification use separate rules; do not assume every transaction counts toward both.

YES BANK UNI Credit Card

Reward rules
Reward mechanics depend on the current UNI proposition; the verified decision-relevant differentiator in the reviewed issuer documents is zero foreign-currency conversion markup

Recorded cautions

  • Do not confuse the standard UNI fee structure with the separate UNI RuPay lifetime-free variant.
  • Zero issuer forex markup does not eliminate merchant DCC or exchange-rate effects where applicable.
  • Current rewards and lounge features should be rechecked before valuing secondary benefits.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

Scapia Federal Credit Card

Lounge conditions
Unlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both.
Forex costs
Zero forex markup under the reviewed Federal Bank Scapia terms
Eligibility
Subject to Federal Bank/Scapia underwriting and current application availability

YES BANK UNI Credit Card

Lounge conditions
Not treated as a core lounge card in this research profile; verify current product features before relying on lounge access
Forex costs
0% foreign-currency conversion charge on YES BANK UNI and UNI RuPay in the reviewed Schedule of Charges
Eligibility
Subject to YES BANK underwriting, documentation and the variant offered
Other maintained comparisons for Scapia Federal Credit CardOther maintained comparisons for YES BANK UNI Credit Card
Shared research themes
Travel Credit CardsLow Forex Markup Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

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Credit-card terms side by side for Scapia Federal Credit Card and YES BANK UNI Credit Card
Decision factorScapia Federal Credit CardYES BANK UNI Credit Card
Joining feeNil in the reviewed Federal Bank MITCNil under the reviewed Key Fact Statement
Annual feeNil in the reviewed Federal Bank MITC₹499 + applicable GST for the standard UNI Credit Card; the separate UNI RuPay variant is listed lifetime-free
Fee waiverNot required under the reviewed nil annual-fee termsStandard UNI: spend ₹50,000 in the anniversary year to waive renewal fee; separate UNI RuPay variant is listed lifetime-free
RewardsCurrent Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement dateReward mechanics depend on the current UNI proposition; the verified decision-relevant differentiator in the reviewed issuer documents is zero foreign-currency conversion markup
LoungeUnlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both.Not treated as a core lounge card in this research profile; verify current product features before relying on lounge access
Forex markupZero forex markup under the reviewed Federal Bank Scapia terms0% foreign-currency conversion charge on YES BANK UNI and UNI RuPay in the reviewed Schedule of Charges
NetworkVisa / RuPay variants under current Scapia/Federal offeringCurrent YES BANK UNI variant as offered; separate RuPay variant may have different fee treatment
Eligibility / approvalSubject to Federal Bank/Scapia underwriting and current application availabilitySubject to YES BANK underwriting, documentation and the variant offered
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

Federal Bank

Scapia Federal Credit Card

  • The lounge unlock is now ₹20,000 total eligible monthly spend per user; older ₹10,000 Visa / ₹15,000 RuPay variant-specific thresholds are superseded by the later note in Federal Bank terms.
  • Unlimited lounge access applies only while the current monthly qualification is met.
  • Rewards and lounge qualification use separate rules; do not assume every transaction counts toward both.
YES BANK

YES BANK UNI Credit Card

  • Do not confuse the standard UNI fee structure with the separate UNI RuPay lifetime-free variant.
  • Zero issuer forex markup does not eliminate merchant DCC or exchange-rate effects where applicable.
  • Current rewards and lounge features should be rechecked before valuing secondary benefits.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

Federal Bank

Scapia Federal Credit Card

6 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Issuer product pageTerms & conditionsKey Fact Statement

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

Scapia Federal Credit Card

Reviewed September 11, 2026 · 6 attached first-party sources

  1. Issuer product pagehttps://www.federal.bank.in/scapia
  2. Terms & conditionshttps://www.federalbank.co.in/documents/d/guest/scapia-federal-credit-card-tnc-v4-21_04_25
  3. Key Fact Statementhttps://www.federalbank.co.in/documents/d/guest/kfs-scapia-federal-credit-card-version-4
  4. Terms & conditionshttps://www.federal.bank.in/documents/d/guest/scapia-federal-credit-card-tnc-v4-21_04_25
  5. MITC / controlling termshttps://www.federal.bank.in/documents/d/guest/mitc_v11-30_04_26
  6. Issuer product pagehttps://www.federal.bank.in/documents/d/guest/cardholder_agreement-v11-30_04_26

YES BANK UNI Credit Card

Reviewed September 9, 2026 · 2 attached first-party sources

  1. Key Fact Statementhttps://www.yesbank.in/content/published/api/v1.1/assets/CONT07A77C257C7A4BDD85DB97E51D2B5B8F/native/yesbank_key_fact_statement.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  2. Fee / charge schedulehttps://www.yesbank.in/content/published/api/v1.1/assets/CONT5AA32E547C774006B79F54E05FE58F9E/native/ybl_soc.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false