IndusInd Tiger vs Scapia (Federal Bank) (2026)
Scapia (Federal Bank) vs IndusInd Tiger: which wins?
₹1,60,000ranking value a year at ₹3L a month, to IndusInd Tiger
Skip the duel — the board, ranked → · nothing to sign up for
Both lifetime free. Scapia wins below ₹50,000 a month on 0% forex; above it Tiger runs away — 735 lounge doors to 72, and miles that reach Maharaja Club 1:1.
Scapia (Federal Bank) wins under ₹0.5L/month; IndusInd Tiger takes over above it.
Every metric, row by row — 10 compared
Head to head
| IndusInd Tiger | Metric | Scapia (Federal Bank) |
|---|---|---|
| #11 — wins this row | Our rank | #33 |
| ₹0 — lifetime free | Fee — joining · annual (+ GST) | ₹0 — lifetime free |
| None | Fee waiver | None |
| 1.5% + GST | Forex markup | Nil — 0% markup (official KFS) — wins this row |
| 3.5%/mo (42%/yr) initially — bank may reprice on credit history/behaviour | APR | 3.75%/mo (45%/yr), from date of transaction; same rate on cash advances (no interest-free period on cash) |
| 0.8% | Headline earn rate | 2.0% — wins this row |
| IndusInd Reward Points | Currency | Scapia Coins |
| ₹0.80/pt | House value | ₹0.20/pt |
| None — lifetime free, no joining bonus | Welcome benefit | None — lifetime free with no joining bonus; the 0% forex is the pitch |
| 735 of 793 — wins this row | Lounge doors opened | 72 of 793 |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: IndusInd Tiger and Scapia (Federal Bank) are both open to a direct application.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Scapia (Federal Bank) wins under ₹0.5L/month; IndusInd Tiger takes over above it.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.5L a month: Scapia (Federal Bank) is ahead by ₹1,800 at ₹0.25L, IndusInd Tiger by ₹1,08,006 at ₹5L.
IndusInd Tiger's ongoing earn stops at ₹4,38,900 of spend a month, where Scapia (Federal Bank)'s doesn't; Scapia (Federal Bank) runs a 4.0% booster on Scapia app travel bookings, where IndusInd Tiger earns one flat rate.
IndusInd Tiger draws above the line, Scapia (Federal Bank) below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IndusInd Tiger | Scapia (Federal Bank) | In front |
|---|---|---|---|
| ₹0.25L | ₹4,800 | ₹6,600 | Scapia (Federal Bank) by ₹1,800 |
| ₹0.5L | ₹16,000 | ₹13,200 | IndusInd Tiger by ₹2,800 |
| ₹0.75L | ₹30,400 | ₹19,800 | IndusInd Tiger by ₹10,600 |
| ₹1L | ₹44,800 | ₹26,400 | IndusInd Tiger by ₹18,400 |
| ₹1.25L | ₹59,200 | ₹33,000 | IndusInd Tiger by ₹26,200 |
| ₹1.5L | ₹73,600 | ₹39,600 | IndusInd Tiger by ₹34,000 |
| ₹1.75L | ₹88,000 | ₹46,200 | IndusInd Tiger by ₹41,800 |
| ₹2L | ₹1,02,400 | ₹52,800 | IndusInd Tiger by ₹49,600 |
| ₹2.25L | ₹1,16,800 | ₹59,400 | IndusInd Tiger by ₹57,400 |
| ₹2.5L | ₹1,31,200 | ₹66,000 | IndusInd Tiger by ₹65,200 |
| ₹2.75L | ₹1,45,600 | ₹72,600 | IndusInd Tiger by ₹73,000 |
| ₹3L | ₹1,60,000 | ₹79,200 | IndusInd Tiger by ₹80,800 |
| ₹3.25L | ₹1,74,400 | ₹85,800 | IndusInd Tiger by ₹88,600 |
| ₹3.5L | ₹1,88,800 | ₹92,400 | IndusInd Tiger by ₹96,400 |
| ₹3.75L | ₹2,03,200 | ₹99,000 | IndusInd Tiger by ₹1,04,200 |
| ₹4L | ₹2,17,600 | ₹1,05,600 | IndusInd Tiger by ₹1,12,000 |
| ₹4.25L | ₹2,32,000 | ₹1,12,200 | IndusInd Tiger by ₹1,19,800 |
| ₹4.5L | ₹2,40,006 | ₹1,18,800 | IndusInd Tiger by ₹1,21,206 |
| ₹4.75L | ₹2,40,006 | ₹1,25,400 | IndusInd Tiger by ₹1,14,606 |
| ₹5L | ₹2,40,006 | ₹1,32,000 | IndusInd Tiger by ₹1,08,006 |
Transfer reach — 2 vs 0 live routes
Transfer reach
0 shared routes · 2 only IndusInd Tiger · 0 only Scapia (Federal Bank) — the full partner lists
Only IndusInd Tiger
- Singapore Airlines KrisFlyer
- Air India Maharaja Club
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
IndusInd Tiger · 3 more →
- 0.8% on the first ₹1L of the year — the engine only wakes past ₹5L
- Points expire 24 months from accrual; ₹100 fee per redemption
- Cash redemption floor ₹0.40/pt, capped 5,000 points a month (since Sep-2024)
Scapia (Federal Bank) · 1 more →
- Coins spend ONLY on Scapia-app travel — no cashback, no transfers, app-dependency risk
- Feb-2026 nerf: lounge bar doubled to ₹20k/month; insurance & utility earn killed
- Zero coins on international spends — abroad it's purely a 0%-forex card
The call
For the ₹1L/month spender, IndusInd Tiger nets ₹44,800 against ₹26,400 — a ₹18,400 gap. At ₹5L/month, IndusInd Tiger nets ₹2,40,006 against ₹1,32,000 — a ₹1,08,006 gap. Lounge chasers: IndusInd Tiger opens 735 of 793 tracked doors to Scapia (Federal Bank)'s 72.
Our standing verdicts: IndusInd Tiger — Keep; Scapia (Federal Bank) — Keep. IndusInd Tiger takes 5 of the 7 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, IndusInd Tiger or Scapia (Federal Bank)?
IndusInd Tiger. IndusInd Tiger takes 5 of the 7 rounds we can score. Scapia (Federal Bank) wins under ₹0.5L/month; IndusInd Tiger takes over above it.
IndusInd Tiger or Scapia (Federal Bank) — which earns more at ₹3L a month?
At ₹3L a month, IndusInd Tiger nets ₹1,60,000 against ₹79,200 — a ₹80,800 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, IndusInd Tiger or Scapia (Federal Bank)?
They cost the same to get: ₹0 — lifetime free. IndusInd Tiger waives its fee at no spend level — there is no waiver; Scapia (Federal Bank) at no spend level — there is no waiver.
Which gets you into more airport lounges, IndusInd Tiger or Scapia (Federal Bank)?
Lounge chasers: IndusInd Tiger opens 735 of 793 tracked doors to Scapia (Federal Bank)'s 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: IndusInd Tiger on 2026-08-05, Scapia (Federal Bank) on 2026-07-26. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against IndusInd Bank and Federal Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 13 of them, each with the day we read it
- official Product page — the Magnificent Rewards slab grid (1× up to ₹1,00,000 of anniversary-year spend, 2× to ₹2,50,000, 4× to ₹5,00,000)
- official MITC PDF — joining, annual and add-on fees all Nil; 3.5% per month / 42% p.a; interest; 1.5% foreign-currency mark-up + GST; ₹100 rewards-redemption fee
- official Benefit guide PDF — the same 1/2/4/6 slab table and its ₹6L illustration (20,000 RP), 1 RP = ₹0.40 cash credit, one complimentary golf game or lesson a quarter
- official Bank Maharaja redemption T&C — 100 RP = 100 Maharaja Points, 25k/month cap
- official Bank KrisFlyer redemption T&C — table now reads 400 RP = 100 miles (4:1; URL slug preserves the old 400x120)
- community LiveFromALounge — 1:1 Maharaja route
- community CardMaven review — Visa Signature
- official IndusInd UPI/RuPay FAQ — Tiger absent from RuPay list
- official Product page — "Zero joining and annual fees", "Zero forex markup on all international transaction"
- official Key Fact Sheet PDF v11 (30-04-2026) — Nil fees, 0% forex, 3.75%/mo APR, late-fee slabs, cash advance 2.5% min ₹500, rent/wallet/fuel/utility 1% fees
- official Scapia site — redemption scope (flights/hotels/trains/buses), UPI 5%
- community CardInsider — Feb-2026 nerf (₹20k gate, insurance/utility/telecom earn killed 27-Feb-2026, 36-month expiry)
- official Scapia summer release — dual Visa + RuPay cards on one account (Jun-2025)