# Scapia (Federal Bank) vs HDFC Regalia Gold

Scapia (Federal Bank) costs nothing a year and HDFC Regalia Gold ₹2,500. They differ on the forex markup, airport lounge access, transfer partners and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [Scapia (Federal Bank)](https://getbrief.cards/cards/scapia-federal), Federal Bank
- [HDFC Regalia Gold](https://getbrief.cards/cards/hdfc-regalia-gold), HDFC Bank

| | Scapia (Federal Bank) | HDFC Regalia Gold |
|---|---|---|
| Annual fee | Lifetime free | ₹2,500 + GST |
| Fee waiver | Not needed | Waived at ₹4,00,000 spend per card year |
| Forex markup | Nil | 2% |
| On ₹1,00,000 spent abroad | Nothing | ₹2,360 in markup and GST |
| Network | Visa | Mastercard |
| Everyday spend | 10 coins / ₹100 everyday (= 2% travel-locked value @ 5 coins = ₹1) on spends of ₹20 and above · under ₹20 earns nothing | 5 RP / ₹200 from 15 May 2026 |
| Rewards in | Scapia Coins, ₹0.2 a point at the bank’s baseline | HDFC Reward Points (Regalia Gold), ₹0.5 a point at the bank’s baseline |
| Transfer partners | None | 11 programmes |
| Airport lounges | unlimited domestic visits | 12 domestic visits a year · 6 international visits a year |
| Spend milestones | None | 3 milestones |
| Applications | Open | Open |
| Last checked | 9 October 2026 | 27 October 2026 |

## How each one earns

### Scapia (Federal Bank)

- 10 coins / ₹100 everyday (= 2% travel-locked value @ 5 coins = ₹1) on spends of ₹20 and above · under ₹20 earns nothing · verified · checked 9 October 2026
- 20 coins / ₹100 on in-app travel (= 4% travel-locked value) · verified · checked 3 July 2026

Every rule on the Scapia (Federal Bank) page: https://getbrief.cards/cards/scapia-federal

### HDFC Regalia Gold

- 5 RP / ₹200 from 15 May 2026 · ✓ official · checked 26 October 2026
- 5X on Nykaa/Myntra/M&S/Reliance Digital (cap 5K RP/mo) · ✓ official · checked 26 October 2026
- 5X via SmartBuy Instant Vouchers (Gyftr) · 25 RP/₹200, cap 4K RP/mo and 2K/day · brand vouchers capped at 3K RP/mo from about 1 Jul 2026 · ✓ official · checked 26 October 2026
- 5 RP / ₹200 on insurance, capped at 2,000 RP a month · ✓ official · checked 27 October 2026
- 5 RP / ₹200 on grocery, capped at 2,000 RP a month · ✓ official · checked 27 October 2026

Every rule on the HDFC Regalia Gold page: https://getbrief.cards/cards/hdfc-regalia-gold


## Questions

### What is the annual fee of Scapia (Federal Bank) and HDFC Regalia Gold?

As of 27 October 2026, Scapia (Federal Bank): lifetime free. HDFC Regalia Gold: ₹2,500 + GST, waived at ₹4,00,000 spend per card year.

### Which charges less on spend abroad, Scapia (Federal Bank) or HDFC Regalia Gold?

As of 27 October 2026, Scapia (Federal Bank) charges a 0% markup against 2% on HDFC Regalia Gold: on ₹1,00,000 spent abroad that is ₹0 against ₹2,360, GST included.

### Do Scapia (Federal Bank) and HDFC Regalia Gold come with airport lounge access?

As of 27 October 2026, Scapia (Federal Bank): unlimited domestic visits. HDFC Regalia Gold: 12 domestic visits a year · 6 international visits a year.


## Other cards side by side

- [HDFC Regalia Gold vs HDFC Millennia](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-millennia)
- [HDFC Regalia vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-regalia-vs-hdfc-regalia-gold)
- [ICICI Bank Sapphiro vs HDFC Regalia Gold](https://getbrief.cards/compare/icici-sapphiro-vs-hdfc-regalia-gold)
- [HDFC Regalia Gold vs HDFC Diners Club Privilege](https://getbrief.cards/compare/hdfc-regalia-gold-vs-hdfc-diners-privilege)
- [HDFC Diners Club Black Metal vs HDFC Regalia Gold](https://getbrief.cards/compare/hdfc-diners-club-black-metal-vs-hdfc-regalia-gold)
- [Marriott Bonvoy HDFC vs HDFC Regalia Gold](https://getbrief.cards/compare/marriott-bonvoy-hdfc-vs-hdfc-regalia-gold)
- [ixigo AU Credit Card vs Scapia (Federal Bank)](https://getbrief.cards/compare/au-ixigo-vs-scapia-federal)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/scapia-federal-vs-hdfc-regalia-gold