Niyo Global Card vs Scapia Federal
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Scapia Federal Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.7/10 vs 5.2/10.
| Feature | Niyo Global Card | Scapia Federal |
|---|---|---|
| CardTrail Score | 5.2/10 | 8.7/10 |
| Annual Fee | Free | Free |
| Base Reward Rate | 0% | 10% |
| Max Reward Rate | 0% | 10% |
| Forex Markup | Zero | Zero |
| Domestic Lounges | 0 | -1 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | No | Yes |
| Network | Visa | Visa |
When to Choose Niyo Global Card
- You want a lifetime free card with zero annual cost
- Airport lounge access matters — 0 domestic visits
- Your primary spend is: forex, travel, students
When to Choose Scapia Federal
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 10% vs 0%
- Your primary spend is: forex, travel, beginner