Scapia Axis Bank vs YES BANK Niyo Credit Card: Zero Forex Travel Comparison (2026)

A head-to-head comparison between two top zero-forex travel cards in India. Both eliminate the standard 3.5% foreign currency markup. Scapia Axis Bank features unlimited domestic airport lounges on ₹20k monthly spend and 10%–20% travel coins, whereas YES BANK Niyo is integrated into the Niyo travel ecosystem.

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YES BANK Niyo Credit Card
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YES BANK Niyo Credit Card

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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

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Last verified 9 Sept 2026

Side-by-side summary

YES BANK Niyo Credit Card
Best for international students and travelers utilizing Niyo's multi-currency tracking ecosystem.
Scapia Axis Bank Credit Card
Best for zero forex markup, unlimited domestic airport lounges on ₹20k spend, and hotel/flight coin redemption.
Editorial verdict
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.
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