IndusInd Bank Platinum Master Credit Card vs Scapia Federal Bank Credit Card

• 1.5 reward points for every Rs. 150 spent
• Comprehensive insurance benefits
• Fuel surcharge waiver
• Buy 1 Get 1 free on movie tickets
• Redemption options: IndusMoments, Airline miles on InterMiles, Airline miles on Vistara, Cash Credit
• Platinum Credit Card Privileges: 

1. Priority Pass Membership for you and your partner
2. Complimentary golf session once a quarter at any of the select prestigious clubs
3. Golf lessons and hole-in-one insurance
4. Movie tickets at theatres twice a month (2 x 200 x 12)
5. Savings on fuel surcharge
6. The annual value of Reward Points on an average spend of Rs. 30,000 per month (300 points per month)
7. IndusInd Bank Platinum Card welcomes you with great lifestyle offerings from EazyDiner, Montblanc, Luxe Gift Card, Collection Of Intimate Luxury Hotels, Amazon, Flipkart, Big Bazaar, ZEE5, Swiggy, Zomato Gold, Apollo Pharmacy, Biba Online, Ola Cabs, Uber, BATA, Vero Moda, ALDO, William Penn, Titan, Pantaloons, Hidesign, Woodland, United Colors of Benetton, Yatra, Charles & Keith, Louis Philippe, Hush Puppies, Urban Ladder.

• BookMyShow Offer: Buy one movie ticket and get the other one absolutely free. Avail up to two free movie tickets in a month. Offer valid in all theatres registered with BookMyShow across all major cities. The price of the free ticket is capped at Rs. 200. 
• Sathyam Cinemas Offer: Buy one movie ticket and get the other one absolutely free. Avail of up to four free tickets in a month. Offer valid in Chennai only.
• With the Travel Plus program avail special waivers on lounge usage charges outside India.
• Travel insurance for: Lost baggage, Delayed baggage, Loss of passport, Lost ticket, and Missed connection
• Platinum Concierge service: A team of professionals are ready to assist you with hotel reservations, flight bookings and other lifestyle requirements. This is a complimentary service and is accessible from anywhere in the world. 
• Auto Assist
• Total Protect is a first-of-its-kind program that covers the cardholder for a sum up to the credit limit on your credit card and is available on add-on cards as well.
• Air Accident Coverage- Complimentary personal air accident insurance cover of up to Rs. 25 lakh.

• Zero joining and annual fees
• Enjoy unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs. 10,000 on VISA or Rs. 15,000 on Rupay card every month
• 10% reward on every eligible online and offline spend
• Instant redemption on flights, hotels and buses on the Scapia app, at 1 reward = 1 Scapia Coin
• Zero forex markup on all international transactions
• 24x7 customer service
• Instant in-app repayment
• Set transactions limits and manage permissions on the app
• On Scapia Federal Visa Credit Card, earn 10% rewards on every purchase of Rs. 20 and above. For purchase amounts below Rs. 20, rewards will not be credited
• On Scapia Federal Rupay Credit Card, earn 5% rewards on eligible spends 8 of more than 500 Rs. For purchase amounts below Rs. 500, rewards will not be credited
• Earn 20% rewards on travel purchases made on the Scapia App. Rewards earned on card transactions will be converted to Scapia coins on the statement date with the conversion ratio 1 Reward = 1 Scapia Coin
• Scapia coins can be accumulated and further utilised against services offered such as flights, stays, buses etc., or any other service offered by Scapia from time to time on the Scapia platform. The Scapia Coins can also be utilised against other exciting offers shown in the Scapia App from time to time
• Do note for redemption against Flights & Hotel/Stay, Bus Bookings and any other services on Scapia App - 5 Scapia Coin = Rs. 1
• Complimentary Access to Domestic Airport Lounge:

a. Unlimited Domestic Lounge- Condition for eligibility: Customers have to spend Rs. 10,000 on Visa Credit Card or Rs. 15,000 Rupay Credit Card in a billing cycle for unlocking this facility. They should also be Active on a monthly basis for retaining the Unlimited Domestic Lounge free access. The transactions done on specific card variant will be eligible for the respective specific variant eligibility and cannot be combined with both variants

• No Cost EMI for Travel Transactions on Scapia App
• 1% surcharge waiver of up to Rs. 500 per month on fuel transactions worth up to Rs. 5,000

Pros

• Avail surcharge on petrol at various petrol pumps in India: 1% on fuel surcharge at any petrol pump within India.
• Air Accident Coverage
• Discounts on Shopping, Dining, Spa, Travel, and Lifestyle

Cons

• High Joining fee and annual fee
• Fees applicable for using Priority Pass Membership

Pros

• Zero forex mark-up fee on international spends
• Earn 20% rewards on travel purchases made on the Scapia App
• Unlimited domestic airport lounge access

Cons

• Scapia coins redemption is limited to just travel bookings on Scapia app
• Low Scapia coins redemption ratio of 5:1
• No complimentary international airport lounge access