IndiGo Credit Card
Rs 4,999Annual fee
0Domestic lounge
Domestic lounge conditions
- This card does not offer airport lounge access. It offers golf privileges (4 rounds and 12 lessons annually) via Mastercard.
0%Forex markup
Best for
Indigo, Flights, Travel, UPI, Zero Forex
Top rewards
IndiGo Flight Bookings: 6 IndiGo BluChips per INR 100 spent; Other Eligible Retail Spends: 3 IndiGo BluChips per INR 100 spent; UPI, Insurance, Utilities, Fuel, Rent, And Wallet Spends: 0.5 IndiGo BluChips per INR 100 spent
Scapia Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic airport lounge access requires a minimum spend of ₹20,000 in the preceding calendar month.
- Effective February 27, 2026, insurance spends (MCC 6300) and utility transactions (including telecom, internet, cable, and communication services under MCC 4900, 4812, 4814, 4816, and 4899) are excluded from earning Scapia Coins and do not count towards the domestic lounge spend milestone.
0%Forex markup
Best for
Travel, Zero Forex, Lounge, UPI, Lifetime Free
Top rewards
Travel Bookings On Scapia App: 20 Scapia Coins / ₹100; Visa Online And Offline Spends: 10 Scapia Coins / ₹100; UPI Spends Of ₹500 Or More On RuPay: 5 Scapia Coins / ₹100
| Feature | IndiGo Credit Card | Scapia Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | Federal Bank |
| Network | Mastercard, RuPay | Visa, RuPay |
| Joining fee | Rs 4,999 | Rs 0 |
| Annual fee | Rs 4,999 | Rs 0 |
| Reward type | Indigo Bluchips | Scapia Coins |
| Best for | Indigo, Flights, Travel, UPI, Zero Forex | Travel, Zero Forex, Lounge, UPI, Lifetime Free |
| Top reward categories | IndiGo Flight Bookings: 6 IndiGo BluChips per INR 100 spent; Other Eligible Retail Spends: 3 IndiGo BluChips per INR 100 spent; UPI, Insurance, Utilities, Fuel, Rent, And Wallet Spends: 0.5 IndiGo BluChips per INR 100 spent | Travel Bookings On Scapia App: 20 Scapia Coins / ₹100; Visa Online And Offline Spends: 10 Scapia Coins / ₹100; UPI Spends Of ₹500 Or More On RuPay: 5 Scapia Coins / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | Unlimited |
| International lounge | 0 | 0 |
| Forex markup | 0% | 0% |
| Milestone benefits | Vouchers of 5,000 IndiGo BluChips at annual spending milestones of ₹2 Lakh, ₹5 Lakh, ₹8 Lakh, ₹10 Lakh and ₹12 Lakh (Up to 25,000 BluChips annually) | Not Listed |
| Redemption | Not Listed | Air miles: upto ₹ 0.2 per point |
| Key exclusions | EMI transactions, Cash withdrawal / cash advance transactions | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |