Scapia Cards Apply Reviews

No joining or annual fees; the card is lifetime free, making it cost-effective.

Zero forex markup on all international transactions, ideal for frequent travelers.

Unlimited domestic airport lounge access upon meeting monthly spend criteria (₹10,000 on Visa or ₹15,000 on RuPay).

Dual-network convenience with both Visa and RuPay cards under one credit limit and statement, enabling seamless UPI and international transactions.

Reward program: Earn 2% rewards on all spends and up to 10-20% Scapia Coins on travel bookings via the Scapia app, redeemable for flights, hotels, buses, and visa applications.

Digital onboarding process makes application quick and easy.

Additional perks include fuel surcharge waiver and no-cost EMI options on travel bookings through the app.

Integrated with Scapia’s travel platform offering special fares, waitlist-free train bookings, and travel planning tools.

Unified Credit Limit and Statement: Manage all your Visa and RuPay card spends, including UPI transactions, under one credit limit and receive a single consolidated statement for total control and simplicity.

Dual-Network Convenience: The card combines Visa and RuPay networks, enabling seamless acceptance for online, offline, international, and UPI transactions.

Zero Forex Markup: No foreign exchange markup fees on international transactions, making it cost-effective for overseas travel.

Rewards Program: Earn 10% Scapia Coins on all eligible daily spends and 20% Scapia Coins on travel bookings made through the Scapia app. These coins can be redeemed for flights, hotels, buses, trains, and visa applications at a conversion rate of 5 coins = ₹1.

Unlimited Domestic Lounge Access: Enjoy unlimited access to domestic airport lounges across India by spending a minimum monthly amount (₹10,000 for Visa, ₹15,000 for RuPay), enhancing travel comfort.

Complimentary Dining, Shopping, and Spa Benefits: Get complimentary access and rewards at airport outlets including dining, shopping, and spa services.

Lifetime Free Card: No joining or annual fees, making it a cost-effective option for frequent travelers.

No-Cost EMI: Eligible travel expenses booked via the Scapia app can be converted into easy monthly installments without additional cost.

Fuel Surcharge Waiver: 1% waiver on fuel transactions up to ₹5,000 per month, capped at ₹500.

Comprehensive Travel Insurance: Coverage for cardholders and family, providing peace of mind during travel.

Enhanced Travel Booking Features: The Scapia app offers special fares, waitlist alternatives for trains, map-based hotel exploration, and extra baggage allowance for students.

Rewards redemption is limited to travel bookings only on the Scapia app, restricting flexibility.

International spends do not earn rewards, despite zero forex fees.

The reward rate on travel spends (around 4%) is lower than some competitors offering up to 10% discounts on flight bookings elsewhere.

The card is co-branded with Federal Bank, which has a one credit card limit policy, potentially limiting eligibility for some customers.

Lounge access requires a minimum monthly spend, which may not suit all users.

Rewards are not offered on certain categories like fuel, rent, EMI, education fees, gift cards, crypto, and wallet loads.

Scapia Coins can only be redeemed for travel bookings through the Scapia app, limiting redemption flexibility.

International spends do not earn Scapia Coins despite zero forex markup benefits.