Compare cardsTry Tapwise free
Federal Bank · Federal Bank
Signet vs Scapia
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
47composite score
95% rule confidence
95% rule confidence
Winner
53composite score
82% rule confidence
82% rule confidence
Annual fee
Lifetime free
Lifetime free
Network
Mastercard
Visa
Base reward rate
1%
2%
Min. income (monthly)
₹20,000
—
Min. credit score
700+
—
Best for
Online shopping
Everyday spends
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Scapia edges out for most wallets.
- Better base rate, 2% vs 1% on everything outside a bonus bucket.
Composite score
Signet47
Scapia53
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
Tapwise watches caps, exclusions, and stacked offers in real time, and tells you which card to swipe before you tap.