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
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
| Feature | Scapia Credit Card | IndiGo Credit Card |
|---|---|---|
| Issuer | Bank of Baroda | IDFC FIRST Bank |
| Network | Visa, RuPay | Mastercard, RuPay |
| Joining fee | Rs 0 | Rs 4,999 |
| Annual fee | Rs 0 | Rs 4,999 |
| Reward type | Scapia Coins | Indigo Bluchips |
| Best for | Travel, Zero Forex, Lounge, UPI, Lifetime Free | Indigo, Flights, Travel, UPI, Zero Forex |
| Top reward categories | 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 | 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 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | Unlimited | 0 |
| International lounge | 0 | 0 |
| Forex markup | 0% | 0% |
| Milestone benefits | Not Listed | 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) |
| Redemption | Air miles: upto ₹ 0.2 per point | Not Listed |
| Key exclusions | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments | EMI transactions, Cash withdrawal / cash advance transactions |