Side-by-Side Card Comparator

YES BANK Niyo Credit Card vs Scapia Axis Bank Credit Card

Detailed head-to-head comparison between YES BANK Niyo Credit Card and Scapia Axis Bank Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.

Quick Comparisons:

Head-to-Head OverviewLive Comparison

Verified Bank Data (2026)
Shopping
YES BANK Niyo Credit Card
YES BANK Verified

YES BANK Niyo Credit Card

Joining FeeFree
Renewal FeeFree (LTF)
NetworkVisa

Best for: International holidaymakers, digital nomads, study-abroad students, and global business travelers looking to eliminate the standard 3.5% foreign transaction fee.

Rewards: 4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App

Lounge: 4 Domestic visits/year

Forex markup: 0% (Zero Forex)

Apply Now
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Last verified 9 Sept 2026

Quick Decision Guide: Which Should You Pick?

Choose YES BANK Niyo Credit Card If:
  • Your primary spending focus is International holidaymakers, digital nomads, study-abroad students, and global business travelers looking to eliminate the standard 3.5% foreign transaction fee..
  • Joining fee of Free matches your budget.
  • Lounge entitlement: 4 Domestic visits/year.
Choose Scapia Axis Bank Credit Card If:
  • Your primary spending focus is Zero Forex Markup, Scapia Travel Rewards & RuPay UPI.
  • Joining fee of Free matches your budget.
  • Lounge entitlement: Unlimited Domestic visits · ₹20k monthly spend required.

Feature & Fee Breakdown

Detailed attribute comparison and head-to-head winner declaration

Key Specification
Card AYES BANK Niyo Credit Card
Apply Online (YES BANK)
Card BScapia Axis Bank Credit Card
Apply on Official Scapia Portal
Bank / IssuerYES BANKAxis Bank
Joining Fee
Free
Free
Annual / Renewal Fee
Free
Free
Fee Waiver ConditionNo waiver disclosedNo waiver disclosed
Rewards & Cashback4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Airport Lounge Access
4 Domestic visits/year

1 domestic airports

Unlimited Domestic visits · ₹20k monthly spend required

26 domestic airports

Welcome Bonus
  • N/A
Standard welcome pack
Best Suited ForInternational holidaymakers, digital nomads, study-abroad students, and global business travelers looking to eliminate the standard 3.5% foreign transaction fee.Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Official Apply LinkApply Online (YES BANK)Apply on Official Scapia Portal

Airport Lounge Access Privileges

Detailed complimentary domestic & international lounge entitlement comparison

Card A Lounge Entitlement

YES BANK Niyo Credit Card

4 Domestic visits/year
Domestic Airport AccessYes (1+ Airports)
International LoungesInternational Lounge Program
Check full lounge network directory
Card B Lounge Entitlement

Scapia Axis Bank Credit Card

Unlimited Domestic visits · ₹20k monthly spend required
Domestic Airport AccessYes (26+ Airports)
International LoungesInternational Lounge Program
Check full lounge network directory

Expert Editorial Verdict

Our data-driven recommendation

CardRecommend Editor's Pick

Scapia Axis Bank provides greater domestic utility through unlimited airport lounges on ₹20k spend and coin earnings, making it ideal for Indian residents who travel abroad periodically. YES BANK Niyo is geared toward full-time overseas travelers and international students.

Frequently Asked Questions

Everything you need to know about choosing between YES BANK Niyo Credit Card and Scapia Axis Bank Credit Card.

1. Which card has lower fees between YES BANK Niyo Credit Card and Scapia Axis Bank Credit Card?

YES BANK Niyo Credit Card charges a joining fee of Free and an annual renewal fee of Free. In comparison, Scapia Axis Bank Credit Card has a joining fee of Free and an annual fee of Free. Check the fee waiver threshold in the matrix above to see if your annual spend qualifies for a full renewal fee reversal.

2. Which card offers higher cashback or rewards?

YES BANK Niyo Credit Card offers: 4 Niyo Coins on Every ₹100 Spent Online; 2 Niyo Coins on Every ₹100 Spent on POS Transactions; 5 Niyo Coins on Every ₹100 Spent Via the Niyo App. On the other hand, Scapia Axis Bank Credit Card features: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.. Your choice should depend on where you spend the most (e.g. online shopping vs travel vs fuel).

3. Is airport lounge access complimentary on these cards?

YES BANK Niyo Credit Card: 4 Domestic visits/year. Scapia Axis Bank Credit Card: Unlimited Domestic visits · ₹20k monthly spend required. Spend requirements vary by card and are shown from the latest structured lounge rules. Check card details or airport eligibility results for current thresholds.

4. How do I apply for either card securely?

Clicking on the official apply buttons takes you straight to the verified bank portal with Video-KYC capability for instantaneous credit decisioning.

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