Best Travel Credit Card in India: Scapia vs Niyo vs Others – Which One Should You Choose?
If you travel even once or twice a year, the right credit card can be based on Best travel credit card India is:
- Save you thousands on forex charges
- Give free airport lounge access
- Offer travel rewards and discounts
- Make international spending stress-free
But not all “travel cards” are equal.
In this guide, we compare Scapia, Niyo, and other popular travel credit cards, and explain why Scapia stands out for most travellers.
Scapia Credit Card: Built for Modern Travellers
What Makes Scapia Different?
Scapia is designed specifically for frequent travellers and international spenders who want simplicity and savings.
Key Benefits of Scapia
✔ Zero Forex Markup
Most credit cards charge 3–3.5% on international spends.
Scapia charges 0% forex markup, which is a huge advantage.
✔ Unlimited Domestic Airport Lounge Access
Available with minimum quarterly spend — ideal for regular flyers.
✔ No Annual or Joining Fees
No hidden costs. No pressure to “recover” fees.
✔ Rewards Optimised for Travel
Earn Scapia coins that can be redeemed for:
- Flights
- Hotels
- Travel bookings
✔ Visa Signature Global Acceptance
Widely accepted internationally, with better security and support.
Niyo Card: Best for Beginners and Students
What Niyo Does Well
Niyo is popular among:
- Students
- First-time international travellers
- People who want a prepaid or debit-style solution
Pros of Niyo
- Zero or low forex markup
- Easy account opening
- Works well as a travel debit card
- Good budgeting control
Limitations of Niyo
- Limited or no credit-based rewards
- Lounge access is limited or paid
- Not ideal for high spenders
- Lower reward value compared to Scapia
Best for: Occasional travellers who want simplicity, not rewards.
Other Popular Travel Credit Cards (Quick Overview)
HDFC Regalia / Diners Club
- Good rewards and lounges
- High annual fees
- Forex markup applies
Axis Atlas / Magnus
- Excellent travel rewards
- High spend requirements
- Not beginner-friendly
SBI Air India / Vistara Cards
- Airline-specific benefits
- Limited flexibility
- Not ideal for non-loyal flyers
These cards work well only if you meet high spending thresholds.
Scapia vs Niyo vs Others: Quick Comparison
| Feature | Scapia | Niyo | Other Travel Cards |
|---|---|---|---|
| Forex Markup | 0% | 0% / Low | 2–3.5% |
| Annual Fees | ₹0 | ₹0 | ₹3k–₹10k+ |
| Lounge Access | Unlimited (conditions) | Limited | Yes (fee-linked) |
| Rewards | Travel-focused | Minimal | Complex |
| Best For | Frequent travellers | Beginners | High spenders |
Why Scapia Is the Best Travel Credit Card for Most People
1. You Save Real Money on Every International Spend
Zero forex markup alone can save ₹3,000–₹7,000 per trip.
2. No Annual Fee Pressure
You don’t need to “justify” owning the card.
3. Simple, Transparent Rewards
No confusing tiers, no expiry stress.
4. Ideal Balance of Credit + Travel Perks
Scapia combines:
- Credit card benefits
- Travel-first features
- Clean digital experience
Who Should Definitely Get Scapia?
You should strongly consider Scapia if:
- You travel internationally at least once a year
- You use airport lounges
- You want a no-fee travel credit card
- You hate complex reward systems
- You want a single card for domestic + international use
When Niyo or Others Make More Sense
Choose Niyo if:
- You’re a student or first-time traveller
- You want a prepaid-style card
- You don’t care about rewards
Choose premium travel cards if:
- You spend ₹8–15 lakh+ annually
- You want luxury hotel or airline status benefits
Final Verdict
Best travel credit card India If your goal is:
- Zero forex fees
- Free lounges
- No annual charges
- Straightforward travel rewards
👉 Scapia offers the best value-for-money travel credit card experience in India right now.
Niyo is good for beginners.
Premium cards are great for heavy spenders.
But for most travellers, Scapia hits the sweet spot.
Also read our article on –Scapia vs Niyo Credit Card (2025): Features, Rewards, Fees & Best Choice
#TravelCreditCard #ScapiaCard #NiyoCard
#BestCreditCardIndia #ZeroForexCard #TravelRewards #AirportLoungeAccess
#InternationalTravel #CreditCardComparison #SmartSpending
