Finance

Scapia vs Niyo Credit Card (2025): Features, Rewards, Fees & Best Choice

The Indian fintech space is exploding, and two brands are dominating the “travel + rewards” conversation right now: Scapia and Niyo.

Both promise:

Zero forex markup
Better international spending
Travel benefits
Cashback or rewards

…but which card actually delivers more value?
And more importantly — which one should YOU pick?

Let’s break it down, point-by-point — crisp, clean, and brutally honest – Scapia Federal Bank card

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🥊 Scapia vs Niyo: Quick Verdict

If you want cashback + seamless international usage, go Scapia.
If you want lounge access + wider bank partnerships, choose Niyo.

But the full story is more interesting. 👇

📌 1. Basic Comparison Table

Feature	Scapia Credit Card	Niyo Credit Card (e.g., Niyo Global)
Card Type	Credit Card	Credit Card / Global Debit Variant
Forex Markup	0%	0%
Rewards	10% Scapia Coins (travel-focused)	Variable, mostly travel + cashback
Lounge Access	No	Yes (depending on variant)
Joining Fee	₹0	₹0 – ₹2,000 (depending on variant)
Annual Fee	₹0	Usually ₹0–₹1,000
Best For	Cashback on all spends	International travel perks
App Experience	Excellent	Good
Bank Partner	Federal Bank	SBM Bank / DCB / Others

🧳 2. Forex Usage — Who Wins?

Both advertise zero forex markup, which is a huge win for travelers.

But the experience differs:

Aspect	Scapia	Niyo
Forex Markup	0%	0%
Hidden Charges	None	None (depends on partner bank)
International Acceptance	Excellent (Mastercard)	Excellent
ATM Withdrawals	Standard fees	Usually lower cost

Winner: Tie
For pure international usage, both perform equally well.

💰 3. Rewards & Cashback — Scapia Takes Over

Scapia gives:

10% Scapia Coins on every spend
Coins redeemable for flights & hotels directly inside the app
No reward categories — flat earning

Niyo’s reward system varies by card:

Some offer travel points
Some offer minimal cashback
Not as unified or generous

Rewards Comparison	Scapia	Niyo
Flat Cashback	✔️ 10% in coins	❌ Not consistent
Travel Redemption	Seamless	Card-dependent
Reward Expiry	Flexible	Varies

Winner: Scapia
If you want consistent, predictable rewards — Scapia is the better choice.

✈️ 4. Airport Lounge Access — Niyo Wins Easily

Scapia does not offer lounge access automatically. Its just that once you cross a monthly usage of Rs 10000, only then you can have the airport lounge once per month.

Niyo’s Global cards offer: