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IndusInd Bank Tiger Credit Card VS Scapia Federal Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both Scapia Federal Credit Card and IndusInd Bank Tiger Credit Card suit travel-focused spenders, but they earn and cost differently. Scapia Federal Credit Card is lifetime-free and earns 20% Scapia Coins (4% value) on travel, 10% (2% value) on other spends, 5% on UPI. IndusInd Bank Tiger Credit Card is lifetime-free and earns up to 6 Accelerated Reward Points on every ₹100 spent on eligible transactions. Scapia Federal Credit Card also brings unlimited domestic lounge access, unlocked with ₹20,000 combined monthly spend on Scapia Card, while IndusInd Bank Tiger Credit Card counters with 8 complimentary lounge accesses per year (2 per quarter) to participating domestic lounges. If international spends spending matters more, go with Scapia Federal Credit Card; if shopping is the priority, IndusInd Bank Tiger Credit Card fits better.

IndusInd Bank Tiger Credit Card
IndusInd Bank Tiger Credit Card
Scapia Federal Credit Card
Scapia Federal Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNot applicable as the card is lifetime free.
Spend Based Waiver
Foreign Transaction Fees1.5% + GST on all international spends.
Foreign Transaction Fees0%
Interest Rate (APR)3.5% per month (42% per annum).
Interest Rate (APR)3.75% per month

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards RateEarn up to 6 Accelerated Reward Points on every ₹100 spent on eligible transactions.
Rewards RateEarn 20% Scapia Coins (4% value) on travel, 10% (2% value) on other spends, 5% on UPI.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access8 complimentary lounge accesses per year (2 per quarter) to participating domestic lounges.
Domestic Lounge AccessUnlimited domestic lounge access, unlocked with ₹20,000 combined monthly spend on Scapia Card.
International Lounge Access2 complimentary international lounge accesses per year through the Priority Pass program.
International Lounge Access
Travel BenefitsAccess to 1,800+ Priority Pass lounges globally & 24x7 concierge for travel bookings.
Travel BenefitsBest prices, FlexiFly, 24x7 support, access to global airlines, 5L+ stays & 22K+ experiences.
Movie BenefitsGet one complimentary movie ticket up to ₹500 on BookMyShow every six months (2 per year).
Movie Benefits
Dining Benefits
Dining BenefitsUp to ₹1,000 back on dining at domestic airports with ₹20,000 monthly spend.
Golf Benefits1 complimentary golf game or lesson every quarter (4 per year) at exclusive clubs.
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹400-₹4,000 across all Indian fuel stations.
Fuel Surcharge Waiver1% waiver on fuel transactions up to ₹5,000.

Security & Other

Insurance Benefits₹25 lakhs Air Accident Coverage & Total Protect for unauthorized transactions/fraud.
Insurance Benefits
Cash Advance Charges2.5% of the cash advance amount.
Cash Advance Charges2.5% of amount withdrawn or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndusInd Bank Tiger Credit Card

Scapia Federal Credit Card

Who is it for?

The IndusInd Bank Tiger Credit Card, a lifetime free offering in partnership with Tiger Fintech, is an all-rounder designed for rewarding experiences without annual costs. It provides up to 6 Reward Points per ₹100 spent, a low 1.5% foreign currency markup, and valuable perks like complimentary movie tickets, airport lounge access, and golf privileges. Ideal for shoppers, travelers, and entertainment enthusiasts, this card offers comprehensive insurance and 24x7 concierge services, making it a highly appealing choice for diverse spending needs.

Who is it for?

The Scapia Credit Card, in partnership with Federal Bank and BOBCARD, is a travel-focused card with zero joining and annual fees. It offers a 0% foreign currency markup and up to 20% Scapia Coins on travel bookings via its app. Ideal for frequent domestic and international travellers, it provides unlimited domestic lounge access on a reasonable monthly spend. This card is perfect for those prioritizing seamless travel experiences and value-driven rewards.

Pros

Key benefits and features.

Lifetime free credit card with no annual charges, offering great value.

Enjoy access to both domestic and international airport lounges annually.

Benefit from a low foreign currency markup fee of just 1.5% on global spends.

Comprehensive insurance coverage, including air accident and Total Protect.

Access a wide range of 24x7 concierge and auto assist services for convenience.

Pros

Key benefits and features.

Lifetime free credit card with zero joining and annual fees.

Zero foreign currency markup on all international spends.

Strong reward rate for travel bookings (20% Scapia Coins, equivalent to 4% value).

Unlimited domestic airport lounge access with a reasonable monthly spend threshold of ₹20,000.

No-cap redemption policy for Scapia Coins against travel bookings on the Scapia app.

Cons

Key drawbacks and limitations.

The IndusInd Bank Tiger Credit Card does not offer specific dining benefits.

Reward points are not earned on essential spends like fuel, utilities, and insurance.

A monthly cash redemption limit of 5,000 reward points restricts flexibility.

Reward points expire after 24 months, requiring timely redemption planning.

Cons

Key drawbacks and limitations.

Scapia Coins can only be redeemed for travel bookings via the Scapia app.

Unlimited airport lounge access is conditional on a minimum monthly spending requirement.

Rewards are not earned on international transactions.

A processing fee may apply for converting to the EMI option.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IndusInd Bank Tiger Credit Card(opens in new tab)Apply for Scapia Federal Credit Card(opens in new tab)