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Head-to-Head

Scapia vs Niyo Global: Which Zero-Forex Card Wins?

Both charge 0% forex markup. The real differences are in underwriting, reward structure, and what happens outside travel spending.

	Scapia Credit Card	Niyo Global
Card type	Credit card	Prepaid / forex card rail
Credit check	Hard inquiry, CIBIL 750+ preferred	Typically no hard credit check
Forex markup	0%	0%
Rewards	Up to 4% net on in-app travel bookings	Minimal cashback; value is the 0% forex itself
Lounge access	Domestic, gated by ₹20,000/mo spend	Limited/none
Best for	Frequent travelers who book via app	Students, first-timers, thin credit file

See which one you qualify for →

Bottom line

If you can clear Scapia's CIBIL and inquiry checks, its in-app travel rewards make it the stronger long-run pick. If you have a thin or damaged credit file, Niyo Global's lighter underwriting gets you zero-forex spending today without a hard inquiry.