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IDFC FIRST Private Reserve vs Scapia – Full comparison
Both cards verified with issuer
IDFC FIRST Private Reserve source Scapia sourceLounge access differs between these cards
Spend context
At ₹50k/month spend:
- Scapia: ~₹200/month at base rate
- IDFC FIRST Private Reserve: Base earn not clearly specified
Approximate, based on base rates (before caps).
| IDFC FIRST Private Reserve IDFC | Scapia FEDERAL | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No difference | Unlimited | Unlimited |
| International lounge visits Only available for IDFC FIRST Private Reserve | 12/year | Varies by variant |
| Forex / International Use | ||
| Forex markup No difference | 0% | 0% |
| Fees | ||
| Annual fee No difference | ₹0 | ₹0 |
| Joining fee No difference | ₹0 | ₹0 |
| Rewards | ||
| Points per ₹100 Only available for Scapia | Check issuer | 2 pts |
| Point cash value ₹0.25 vs ₹0.2 | ₹0.25 | ₹0.2 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Related compare links
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.