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IndusInd Bank Tiger Credit Card vs Scapia Credit Card
On net annual value, Scapia beats IndusInd Bank Tiger in all four spend profiles we model, from ₹4,560 a year for everyday spenders to ₹49,428 for high spenders. Scapia offers spend-linked unlimited domestic lounge access and charges no forex markup against 1.5%. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | IndusInd Bank Tiger Credit Card | Scapia Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹3,060/yr | ₹7,620/yr✓ +₹4,560/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹5,243/yr | ₹13,140/yr✓ +₹7,897/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹6,276/yr | ₹29,340/yr✓ +₹23,064/yr |
High spender ≈ ₹2.5L/mo across every category | ₹9,132/yr | ₹58,560/yr✓ +₹49,428/yr |
Not in these numbers: both include airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | IndusInd Bank Tiger Credit CardIndusInd Reward Points | Scapia Credit CardFederal Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.35 | ₹0.25BEST |
| Gift vouchers | ₹0.35 | ₹0.25BEST |
| Airline / hotel transfer | ₹1.001:1BEST | — |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps. Switch the redemption strategy above to see how the picture shifts.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| IndusInd Bank Tiger Credit Card | Scapia Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | Free | Free |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee — all-in (incl. 18% GST) | Free | Free |
| Fee waiver at | Lifetime free | Lifetime free |
| Welcome benefit | — | — |
| Rewards | ||
| Best everyday reward | 0.4% on everyday spends | 2% on everyday spends ✓ |
| Base rate — other spends | 0.4% | 2% ✓ |
| Travel | 0.4% | 2% ✓ |
| Charges | ||
| Forex markup | 1.5% | 0% ✓ |
| Finance charge | 3.5% p.m. | 3.75% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| fuel waiver | ~₹1,200/yr · 1% fuel surcharge waiver at fuel stations across India on transactions from ₹400 to ₹4,000, with no capping on the amount waived | — |
| golf | ~₹3,000/yr · 1 complimentary golf round per quarter | — |
| lounge access | ~₹6,000/yr · 8 domestic (2 a quarter) + 2 international airport lounge visits a year — no spend condition is published for the Tiger, though IndusInd began spend-gating domestic lounge access on several other cards from 1 April 2026 | ~₹12,000/yr · Unlimited domestic airport lounge access, unlocked by ₹20,000+ spend in a billing cycle (Feb 2026 spend gate) and enabled 3-5 working days after the billing date; below that, lounge visits are self-paid |
| milestone bonus | ~₹600/yr · The 2X rung of the Magnificent Rewards ladder — 1,500 extra reward points for the slice of annual spend between ₹1 lakh and ₹2.5 lakh, credited on top of the 1 RP per ₹100 base | — |
| movie ticket | ~₹1,000/yr · One complimentary BookMyShow ticket worth up to ₹500 every six months — one in the April to September window and one in the October to March window. Valid till 31 March 2027. | — |
| Eligibility | ||
| Min income | — | — |
| Min age | — | — |
| UPI linked | — | Yes |
| Expert rating | 3.9 / 5 | 4.4 / 5 ✓ |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the IndusInd Bank Tiger Credit Card if you want strong rewards on everyday spends. Consider the Scapia Credit Card if you spend more on everyday spends. Your actual best card depends on how you spend — run your numbers below.
IndusInd Bank Tiger Credit Card vs Scapia Credit Card — FAQs
Which has a lower annual fee, IndusInd Bank Tiger Credit Card or Scapia Credit Card?
As of 11 Oct 2026, neither IndusInd Bank Tiger nor Scapia charges an annual fee: both are lifetime free. What they do charge is a markup on foreign-currency spend: 1.5% on IndusInd Bank Tiger against 0% on Scapia.
Do IndusInd Bank Tiger Credit Card and Scapia Credit Card offer airport lounge access?
As of 11 Oct 2026, IndusInd Bank Tiger and Scapia both include airport lounge access, on different terms. IndusInd Bank Tiger lists 2 domestic visits a quarter and 2 international visits a year at airport lounges, with no spend condition. Scapia lists unlimited domestic access at airport lounges, unlocked by ₹20,000 of spend. For spending abroad, Scapia adds no forex markup, against 1.5% on IndusInd Bank Tiger.
Which card has lower forex markup, IndusInd Bank Tiger Credit Card or Scapia Credit Card?
As of 11 Oct 2026, Scapia has the lower forex markup: none at all, against 1.5% on IndusInd Bank Tiger. With 18% GST on the markup, ₹1,00,000 spent abroad costs about ₹1,770 extra on IndusInd Bank Tiger and nothing extra on Scapia.
For a frequent traveller, is the IndusInd Bank Tiger Credit Card or Scapia Credit Card better value?
On figures as of 11 Oct 2026, Scapia comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹29,340 against ₹6,276 on IndusInd Bank Tiger, a ₹23,064 gap. That figure includes the forex markup on this traveller's spend abroad, where Scapia charges 0% against 1.5% on IndusInd Bank Tiger.
For everyday spending, which returns more: IndusInd Bank Tiger Credit Card or Scapia Credit Card?
On figures as of 11 Oct 2026, Scapia comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹7,620 against ₹3,060 on IndusInd Bank Tiger, a ₹4,560 gap. Best everyday rates: 0.4% on everyday spends for IndusInd Bank Tiger, 2% on everyday spends for Scapia.
Which is better, IndusInd Bank Tiger Credit Card or Scapia Credit Card?
As of 11 Oct 2026, IndusInd Bank Tiger earns 0.4% on everyday spends at best, paid as IndusInd Reward Points, and Scapia earns 2% on everyday spends outside merchant or portal bonuses, paid as Federal Reward Points. Scapia comes out ahead on net annual value in all four spend profiles we model.