Niyo Global Equitas Debit Card Vs Scapia Credit Card

[xinmushert]

I have recently opened a Niyo Global Equitas account and ordered the DC(Debit Card) for that account. I will be travelling in the next couple of months and post the trip I plan to use niyo account as a simple savings account for UPI transactions in India.

I just want to understand if getting a 0 forex credit card (Niyo Global CC or Scapia) add any advantage to my foreign trips? Actually, I am unable to understand the hype behind these CCs as none of them offer any points on international txns. If I am not missing on any specific advantages then I would prefer to use the equitas DC for txns.

Please help me know if the DC is enough to swipe on international trips such as Indonesia or should I opt for a credit card?

I am not looking for lounge access as I have a DCB and others to cover for it.

 

[sanjaynandi]

if CC has 0 forex then u save 3.5% + GST. have u got scapia ?is it good ?

 

[rafzy]

they dont issue scapia to anyone who has any relation with federal bank. Since Fi and Jupiter were neo banks, almost every enthusiast would have opened a zero mab account. I don't understand their logic behind it.

 

[sanjaynandi]

they dont issue scapia to anyone who has any relation with federal bank. Since Fi and Jupiter were neo banks, almost every enthusiast would have opened a zero mab account. I don't understand their logic behind it.

i dont have any relation with fed bank. so i can try for scapia. is there any other CC thats free of cost with 0 forex ?

 

[AritraSaha]

they dont issue scapia to anyone who has any relation with federal bank. Since Fi and Jupiter were neo banks, almost every enthusiast would have opened a zero mab account. I don't understand their logic behind it.

No. I think what many ppl facing is if you have pre approved offer by federal bank(or fi, Jupiter). You can't get scapia.

I know this sounds stupid..🙂

 

[AritraSaha]

I have recently opened a Niyo Global Equitas account and ordered the DC(Debit Card) for that account. I will be travelling in the next couple of months and post the trip I plan to use niyo account as a simple savings account for UPI transactions in India.

I just want to understand if getting a 0 forex credit card (Niyo Global CC or Scapia) add any advantage to my foreign trips? Actually, I am unable to understand the hype behind these CCs as none of them offer any points on international txns. If I am not missing on any specific advantages then I would prefer to use the equitas DC for txns.

Please help me know if the DC is enough to swipe on international trips such as Indonesia or should I opt for a credit card?

I am not looking for lounge access as I have a DCB and others to cover for it.

I think in Indonesia you will definitely need some cash.

For hotel & stuff you should use a credit card. (Zero forex or high end).

Other then take a zero forex dc for cash withdrawal( indie maybe)