IndusInd Bank Platinum Aura Edge Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
lifetime free, custom reward plans, grocery, travel
Top rewards
Grocery spends under Home plan: 4 savings points per Rs 100; Travel spends under Travel plan: 4 savings points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 savings points per Rs 100 spent
Scapia Federal Credit Card
Rs 0Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited domestic airport lounge access requires a minimum spend of Rs 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; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins
| Feature | IndusInd Bank Platinum Aura Edge Credit Card | Scapia Federal Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | Federal Bank |
| Network | Visa, Mastercard | Visa, RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | savings points | scapia coins |
| Best for | lifetime free, custom reward plans, grocery, travel | travel, zero forex, lounge, upi, lifetime free |
| Top reward categories | Grocery spends under Home plan: 4 savings points per Rs 100; Travel spends under Travel plan: 4 savings points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 savings points per Rs 100 spent | Travel bookings on Scapia app: 20% Scapia Coins; Visa online and offline spends: 10% Scapia Coins; UPI spends of Rs 500 or more on RuPay: 5% Scapia Coins |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | Unlimited |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 0% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.4 per point | Air miles: upto Rs 0.2 per point |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |