IndusInd Bank Platinum RuPay Credit Card
Rs 0Annual fee
0Domestic lounge
3.5%Forex markup
Best for
upi, lifetime free, entry level
Top rewards
upi: 2 reward points per Rs 100; Utility, insurance, government, and rent spends: 0.7 reward points per Rs 100; base: 1 reward point per Rs 100
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 RuPay Credit Card | Scapia Federal Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | Federal Bank |
| Network | RuPay | Visa, RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | reward points | scapia coins |
| Best for | upi, lifetime free, entry level | travel, zero forex, lounge, upi, lifetime free |
| Top reward categories | upi: 2 reward points per Rs 100; Utility, insurance, government, and rent spends: 0.7 reward points per Rs 100; base: 1 reward point per Rs 100 | 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 | Statement credit: upto Rs 0.35 per point | Air miles: upto Rs 0.2 per point |
| Key exclusions | fuel, cash advances | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |