Head-to-Head Card Showdown
Scapia Federal Bank Credit Card vs OneCard Metal Credit Card
Which card is actually better for your spending patterns? Compare annual fees, waiver thresholds, category caps, forex charges, and 2026 lounge access rules side-by-side.
Popular Head-to-Head Matchups
Option AEntry • Visa Signature
FEDERAL BANK
VISA
SCAPIA
•••• •••• •••• 2026
Entry
Option BEntry • Visa Infinite / RuPay (Metal)
FEDERAL BANK
RuPay▶
METAL
ONECARD METAL
•••• •••• •••• 2026
Entry
Verdict for Your Spend Profile
Scapia Federal Bank Credit Card wins by +₹8,109/year
Based on your estimated monthly spend of ₹37,000 (₹4,44,000/year), Scapia Federal Bank Credit Card yields a net annual return of ₹9,520 compared to ₹1,411 with OneCard Metal Credit Card.
Fine-Tune Your Monthly Spending Profile
Adjust your monthly spending sliders to see real-time net-value updates.
₹15,000/mo
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₹25,000/yr
Comprehensive Feature-by-Feature Comparison Matrix
| Feature / Parameter | Scapia Federal Bank Credit Card | OneCard Metal Credit Card |
|---|---|---|
| Net Annual Value (Your Spends) | ₹9,520 | ₹1,411 |
| Gross Annual Rewards Earned | ₹9,160 | ₹1,346 |
| Annual Fee & 18% GST Status | ₹0 (Lifetime Free) | ₹0 (Lifetime Free) |
| Annual Spend for Fee Waiver | No Waiver Threshold | No Waiver Threshold |
| Foreign Currency (Forex) Markup | 0% (Zero Forex) | 1% (+18% GST = 1.18%) |
| 2026 Airport Lounge Policy | Unlimited domestic airport lounge access unlocked upon spending ₹5,000 or more in the previous billing cycle. | No complimentary airport lounge access on standard OneCard tier. |
| RuPay UPI Scan & Pay Enabled | No (Visa Signature) | Yes (RuPay UPI) |
| Reward Point Value & Options | 1 Point = ₹0.2 (5 Scapia Coins = ₹1 on flight and hotel bookings in the Scapia app) | 1 Point = ₹0.1 (Fractional reward points with instant swipe-to-cash redemption in mobile app) |
| Top Advantages |
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| Official MITC & Application | View MITC Fee Breakdown Official Bank Application | View MITC Fee Breakdown Official Bank Application |
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Questions about Scapia Federal Bank Credit Card vs OneCard Metal Credit Card
Which card has better airport lounge access rules in 2026?
Scapia Federal Bank Credit Card provides 1 visits/quarter (requires ₹15,000 quarterly spend), while OneCard Metal Credit Card provides 0 visits/quarter (no spend criteria).