Federal Bank Scapia Credit Card Vs. HSBC Smart Value Credit Card

Federal Bank Scapia Credit Card

Federal Bank Scapia Credit Card

HSBC Smart Value Credit Card

HSBC Smart Value Credit Card

Comparison of Federal Bank Scapia Credit Card and HSBC Smart Value Credit Card

Feature	Federal Bank Scapia Credit Card	HSBC Smart Value Credit Card
Annual Fee	₹0	₹0
Joining Fee	₹0	₹0
Welcome Benefits	Virtual card activated instantly; physical card delivered within 2-5 days	Receive Amazon vouchers, Google Pay discounts, airport lounge access, cashback, and low-interest EMI options on card issuance.
Interest Rate (APR)	N/A	1.99% - 3.49% per month (23.88% - 41.88% annually)
Foreign Currency Markup	0% on Visa card	3.5% + GST
Key Highlights	•Welcome Bonus •Accelerated Rewards on Travel •Base Rewards Rate •Complimentary Lounge Access •Zero Forex Markup •Complimentary RuPay Card •No-Cost EMI •Digital-First Experience	•3X Reward Points •Zero Annual Fee •Dynamic Interest Rate •Welcome Benefits Package
Dos	Book all travel via the Scapia app to earn 20% Scapia coins (4% value-back) instead of the standard 10% Use the Visa card for international transactions to enjoy zero forex markup and save on foreign spends Spend ₹10,000/month (Visa) or ₹15,000/month (RuPay) to unlock unlimited domestic airport lounge access Use the complimentary RuPay card for UPI payments above ₹500 to earn extra 5% rewards Pay the full bill before the due date to avoid 45% annual interest and maintain a healthy credit score	Pay your bills on time to qualify for lower dynamic interest rates and build an excellent credit score. Track your 3X reward categories (online, dining, telecom) to maximise reward points within monthly caps. Enable SMS and email transaction alerts to identify unauthorised usage instantly. Redeem reward points regularly before the 2-year expiry to get maximum value. Use the card for fuel purchases to avail fuel surcharge waiver benefits and save up to ₹3,000 annually.
Don'ts	Don’t rely on this card for rewards on international spends—no coins are earned despite zero forex markup Avoid cash withdrawals—they attract 2.5% fee (min ₹500) and interest applies immediately Don’t make late payments—late fees up to ₹1,000 apply and your credit score is impacted Never share card details, PIN, OTP, or CVV, even with people claiming to be Scapia or bank staff Avoid paying utility bills over ₹50,000—a 1% + GST convenience fee applies	Don't exceed your credit limit, as overlimit charges of 2.5% apply. Avoid cash advances due to high fees (2.5% + immediate interest). Don't miss even the minimum payment; late fees range from ₹250 to ₹1,200 and hurt your credit score. Avoid paying bills in cash at branches; a ₹100 cash processing fee applies. Don't ignore reward point expiry; unredeemed points lapse after 2 years.

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