Niyo Global Card vs Scapia Federal Bank Credit Card

Verdict

Both Niyo Global and Scapia charge zero forex markup — the most important factor for Indian travellers. Scapia edges ahead because it's a credit card (no preloading, earn rewards, better for planned travel spends) with no annual fee. Niyo Global wins on simplicity and ATM access (3 free withdrawals/month). If you travel frequently and want rewards, Scapia. If you want a simple zero-fee debit card with no credit check, Niyo.

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