Niyo Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- 1 complimentary lounge pass per calendar quarter, unlocked on ≥ ₹50,000 of international (non-INR) spends in that quarter.
- Pass is generated in the Niyo app within 7 days of meeting the spend threshold and is valid for 30 days from generation.
0%Forex markup
Best for
Travel, Forex, Lifetime Free, International
Top rewards
Domestic POS And E-Commerce Spends: 5 Niyo Coins per ₹100
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 | Niyo Credit Card | Scapia Credit Card |
|---|---|---|
| Issuer | YES Bank | Bank of Baroda |
| Network | Visa | Visa, RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | Reward Points | Scapia Coins |
| Best for | Travel, Forex, Lifetime Free, International | Travel, Zero Forex, Lounge, UPI, Lifetime Free |
| Top reward categories | Domestic POS And E-Commerce Spends: 5 Niyo Coins per ₹100 | 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 | 1 | 0 |
| Forex markup | 0% | 0% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Statement credit: upto ₹ 0.1 per point | Air miles: upto ₹ 0.2 per point |
| Key exclusions | international / foreign currency transactions (no Niyo Coins earned), fuel transactions (MCC 5541, 5542, 5983, 5172) | fuel spends, rental payments, educational services and school fees, utility bill payments, telecom, broadband, cable, and communication services, insurance payments |