Federal Scapia vs IndusInd Bank Pioneer Legacy Credit card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  Federal Scapia Credit cardScapia, issued by Federal Bank and Punjab National Bank5 recent changes → |  IndusInd Bank Pioneer Legacy Credit CardIndusInd Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 2% on most spends; 4% only at partner merchants | 1.29% on most spends | |
| UPI payments (scan and pay) | 2% | Earns nothing | |
| Online shopping | 2% | 1.29% | |
| Dining and food delivery | 2% | 1.29% | |
| Groceries | 2% | 1.29% | |
| Travel: flights, hotels, trains | 2%; 4% only at Scapia app | 1.29% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | Earns nothing | 0.7% | |
| Rent | Earns nothing | 0.7% | |
| Insurance premiums | Earns nothing | 0.7% | |
| School and college fees | 2% | 0.7% | |
| Wallet top-ups | 2% | 1.29% | |
| Taxes and government payments | Not stated | 0.7% | |
| Spend abroad or in a foreign currency | 2% | 1.29% | |
| Everything else | 2% | 1.29% | |
| Card identity | |||
| Card type | Travel | Rewards | |
| Networksame | Visa | Visa | |
| Card tier | Mid | Super premium | |
| Fees | |||
| Joining fee | Free | ₹50,000 + GST | |
| Annual feesame | Free | Free | |
| Lifetime free | Yes | No | |
| Eligibility | |||
| Employment type | BOTH | - | |
| Min credit score | 730 | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹0 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Lounge access | |||
| Domestic lounge visits | 0 | 4 | |
| Domestic lounge unlimited | Yes | No | |
| International lounge visits | 0 | 8 | |
| Lounge programme | - | PRIORITY_PASS | |
| Priority Pass | No | Yes | |
| Lounge condition | 20,000+ Per Month | Spend Rs 150,000 in the previous quarter for domestic lounge access | |
| Forex and international | |||
| Forex markup | None | 1.8% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.83% | |
| Interest rate (annual) | 45% | 45.96% | |
| Redemption | |||
| Redemption method | Vouchers, Air miles | - | |
| Redemption fee | - | ₹100 | |
| Page content | |||
| Eligibility | Age: 21 to 65 years Min. income: ₹25,000/mo Employment: Salaried · Self-employed · Student | - | |
| Documents needed | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | - | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹4,800
- Fee a year
- ₹0
- You keep
- ₹4,800
- Rewards a year
- ₹3,096
- Fee a year
- ₹0
- You keep
- ₹3,096
At this spend, Federal Scapia Credit card comes out ₹1,704 a year ahead of IndusInd Bank Pioneer Legacy Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- International travellers
- People who book trips online
- Anyone wanting a free card with 0% forex fee
- Anyone who wants no annual fee, ever
- Flyers: 12 airport lounge visits a year
- Spending abroad: 1.8% markup, most cards add 3.5%
Watch-Outs
- Coins redeem only for travel in the Scapia app
- No coins on fuel, insurance, utilities or rent
- Lounge access needs Rs 20,000 spend each month
- Skip it if most of your spending is fuel: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you sometimes pay only the minimum due: interest of 3.83% a month (45.96% a year) outweighs any reward
Card data sourced via CardAdvisor.in (Federal Scapia Credit card, IndusInd Bank Pioneer Legacy Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, Federal Scapia Credit card or IndusInd Bank Pioneer Legacy Credit Card?
They charge the same annual fee. Federal Scapia Credit card: no annual fee; IndusInd Bank Pioneer Legacy Credit Card: no annual fee.
Which is better for spending abroad?
Federal Scapia Credit card has the lowest forex markup. Federal Scapia Credit card: 0%; IndusInd Bank Pioneer Legacy Credit Card: 1.8%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: Federal Scapia Credit card 2%, IndusInd Bank Pioneer Legacy Credit Card 1.29%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
Federal Scapia Credit card: unlimited domestic lounge visits; IndusInd Bank Pioneer Legacy Credit Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
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Guides in Plain Words
Short reads that explain how it works before you decide.
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