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CARD VS CARD · 28 APPS COMPARED

Scapia vs HDFC Regalia Gold

Scapia wins on 24 apps, HDFC Regalia Gold on 4. Scapia for AJIO and Amazon; HDFC Regalia Gold for Myntra and Nykaa.

Scapia Federal Bank Credit Card

Scapia

24 apps

Best for AJIO, Amazon and Apollo 24|7

No annual feePaid as Scapia Coins
HDFC Bank Regalia Gold Credit Card

HDFC Regalia Gold

4 apps

Best for Myntra, Nykaa and Reliance Digital

₹2,500 a yearFee waived at ₹4,00,000 spendPaid as Reward Points

App by app

Biggest differences first. Blue marks the card that earns more.

AppScapiaHDFC Regalia Gold
  1. Myntra2%min ₹206.25%min ₹200
  2. Nykaa2%min ₹206.25%min ₹200
  3. Reliance Digital2%min ₹206.25%min ₹200
  4. Airtel Thanks0%1.25%min ₹200
  5. AJIO2%min ₹201.25%min ₹200
  6. Amazon2%min ₹201.25%min ₹200
  7. Apollo 24|72%min ₹201.25%min ₹200
  8. BigBasket2%min ₹201.25%min ₹200
  9. Blinkit2%min ₹201.25%min ₹200
  10. BookMyShow2%min ₹201.25%min ₹200
  11. Cleartrip2%min ₹201.25%min ₹200
  12. District2%min ₹201.25%min ₹200
  13. Domino's2%min ₹201.25%min ₹200
  14. Flipkart2%min ₹201.25%min ₹200
  15. Goibibo2%min ₹201.25%min ₹200
  16. IRCTC Rail Connect0.82%min ₹200.07%min ₹200
  17. ixigo2%min ₹201.25%min ₹200
  18. JioMart2%min ₹201.25%min ₹200
  19. MakeMyTrip2%min ₹201.25%min ₹200
  20. Meesho2%min ₹201.25%min ₹200
  21. PVR INOX2%min ₹201.25%min ₹200
  22. Swiggy2%min ₹201.25%min ₹200
  23. Swiggy Instamart2%min ₹201.25%min ₹200
  24. Tata CLiQ2%min ₹201.25%min ₹200
  25. Tata Neu2%min ₹201.25%min ₹200
  26. Uber2%min ₹201.25%min ₹200
  27. Zepto2%min ₹201.25%min ₹200
  28. Zomato2%min ₹201.25%min ₹200

Questions people ask

Which is better, Scapia or HDFC Regalia Gold?

Scapia earns more on 24 of the 28 apps Pickkard covers, HDFC Regalia Gold on 4, and they earn the same on 0. Choose Scapia if you spend most on AJIO, Amazon and Apollo 24|7. Choose HDFC Regalia Gold if you spend most on Myntra, Nykaa and Reliance Digital. Scapia has the lower annual fee (none against ₹2,500).

Which has the lower fees, Scapia or HDFC Regalia Gold?

Scapia: joining None, annual None. HDFC Regalia Gold: joining ₹2,500, annual ₹2,500 (Renewal fee waived on annual spends of ₹4,00,000.).

Can I use both Scapia and HDFC Regalia Gold?

Yes. Many people keep both and use each where it earns more: Scapia on AJIO, Amazon and Apollo 24|7, HDFC Regalia Gold on Myntra, Nykaa and Reliance Digital. Pickkard tells you which one to use each time you open a shopping app.

Rewards are as per each bank’s published terms (checked 22 Oct 2026 and 22 Oct 2026) and can change. Limits and minimum orders apply; see each card’s page for details. Pickkard isn’t a bank and isn’t paid by any bank for comparisons.