The Scapia Federal Credit Card is a popular lifetime-free travel credit card, often compared to other co-branded options like the ixigo AU Credit Card (read our take on the comparison here). Another frequent contender in this space is the RBL World Safari Credit Card. While it doesn’t come with the lifetime free benefit like Scapia, its features still make it a strong competitor in the travel card segment.
Joining Benefits and Annual Charges
Scapia Federal comes with a zero joining fee and offers no welcome benefits to its users. The RBL World Safari, on the other hand, comes at an annual fee of ₹ 3,540 (with tax) and gives users a MakeMyTrip voucher worth ₹3,000 as a welcome gift.
The RBL World Safari offers a milestone rewards feature for its cardholders, under which they can earn bonus points when they hit the spending milestone. The table below indicates the spending required to hit milestones.
| RBL World Safari Milestone Offers | |
| Spending Required | Bonus |
| ₹2.5 Lakh or More in a Year | 10,000 Travel Points |
| ₹5 Lakh or More in a Year | 15,000 Travel Points |
| ₹7.5 lakhs in a Year | Gift Voucher Worth ₹10,000 (from Amazon/Taj Experience/Croma/Myntra/MakeMyTrip) |
Rewards System: Scapia Vs World Safari
Both Scapia and RBL World Safari credit cards offer better rewards on travel spending. Scapia provides 20% cashback in the form of Scapia Coins on travel bookings made through its app, while RBL World Safari gives 5 travel points for every ₹100 spent on travel. Scapia has a higher reward rate overall, especially for app-based bookings, with each Scapia Coin valued at ₹0.20. Whereas, RBL’s travel points are worth ₹0.25 each and can be redeemed across categories like flights, hotels, shopping, and gift vouchers.
| Particulars | Scapia Federal Credit Card | RBL World Safari Credit Card |
| Earning Rewards |
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| Redeeming Rewards | 1 Scapia Coin = ₹0.20 (Scapia Coins can be Redeemed for Bookings Via the Scapia App) | 1 Travel Point = ₹0.25 (The travel points can be Used Against Products, Flight/Hotel Bookings, Shopping, Vouchers, etc, at RBL Rewards) |
| Effective Reward Rate |
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Travel Perks and Other Lifestyle Benefits
When it comes to extra perks, RBL World Safari offers more lifestyle benefits like free international lounge access and golf privileges. Scapia gives unlimited domestic lounge access if you meet the spending condition. Both cards come with zero forex markup, making them good for international use too.
| Particulars | Scapia Federal Credit Card | RBL World Safari Credit Card |
| International Airport Lounge Access | N/A | 2 Complimentary Visits Every Year Via Priority Pass |
| Domestic Airport Lounge Access | Unlimited Access (on Spending ₹10,000 on the Visa Variant & Spending ₹15,000 on the RuPay) Variant (Per Month) | 2 Complimentary Visits Every Quarter |
| Forex Markup Fee | 0% | 0% |
| Golf Benefits | N/A |
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Bottom Line
Both the Scapia Federal Credit Card and the RBL World Safari Credit Card are great options for frequent travelers. Scapia is best if someone is looking for a lifetime free card with high reward rates. It offers excellent cashback benefits, especially for travel bookings made through the Scapia app. However, it lacks international lounge access, but it still gives you unlimited domestic lounge access if you meet the spending criteria. On the other hand, RBL World Safari is an amazing option if you want more premium travel perks, like international lounge access, milestone rewards, and even golf benefits. Although it comes with an annual fee, it offers welcome and milestone gifts that help balance its annual charges and user spending. Its reward points are also more flexible when it comes to redemption options.
Hit the following Apply Now button and get your hands on the popular Scapia Federal Credit Card today!