Scapia Credit Card
Scapia is a zero-forex travel credit card that lets you earn Scapia Coins on all spends, including UPI and international transactions. The coins can be redeemed for flight and hotel bookings.
- Issuer
- Federal Bank
- Card type
- Rewards Card
- Category
- Travel
- Joining fee
- ₹0
- Annual fee
- ₹0
- Rewards currency
- Scapia Coins
Highlights
- UPI payments via RuPay earn Scapia Coins on everyday spending
- Zero foreign exchange markup for international travel
- Fast, app-first redemption for flights and hotels
Apply now
Get 1000 Scapia Coins and 1000 discount on 1st Flight booking on joining by clicking Apply Now.
Welcome, annual & renewal benefits
Scapia keeps things simple with a lifetime-free structure and instant card issuance through the app.
- Get 1000 Scapia Coins on joining through our link.
Reward earning
| Spend type | Earn rate | Return Rate |
|---|---|---|
| UPI payments | 5% Scapia Coins | 1% |
| Online & offline spends | 10% Scapia Coins | 2% |
| Scapia app bookings | 20 % Scapia Coins | 4% |
- No rewards on rent, wallet loads, fuel, and other restricted categories.
Redemption options
Scapia Coins can be redeemed directly in the Scapia app for flight and hotel bookings.
Redemptions provide instant discounts rather than transfer partners.
- Redeem Coins for flights across major airlines within the app.
- Use Coins for domestic and international hotel stays.
Unmatched Travel Benefits
If you spend ₹10,000 in a month you unlock the following benefits for the next month.
- Unlimited lounge access.
- 100% cashback on shopping/dining at airports up to ₹1,000 per airport visit.
- You can also choose to get a spa at the airport.
- Please note that you can choose only one of the above-listed benefits per airport departure.
The best strategy is to get lounge access using a different card and use Scapia for shopping.
Review and Use Case
We feel that Scapia is a no-brainer card since it is lifetime free and provides 0 Forex Markup. Even if you already have a 0 Forex card this can serve as backup.
If you have more than one airport trip coming up in a month then you can extract extraordinary value out of this card. For example, if you have two airport visits coming up in a month then you can get ₹2,000 (16%) back by spending ₹12,000 (₹10,000 for unlocking airport privileges plus ₹1,000 each time at the airport). Similarly, if you have three visits coming up this jumps to ₹3,000 (23%) back for ₹13,000 spend. You get the gist, right?
- Incremental return for frequent flyers.
- 0 Forex Markup card
- You get both UPI and Visa cards
- Prices for flights and hotels on Scapia are very competitive
Coming on to spending use cases, we feel that you should not spend heavily on this card. Base reward of 2% is good but not great. Reward on Travel is 4% which we think is very low. Following are some spend use cases which we think can present good opportunities
- If your reward rate for a particular spend on other cards is less than 2% then you can use Scapia.
- Use for UPI spends if you don't have a powerful UPI card
You will have to strategize how you use the Scapia card. If you don't have airport visits coming in next month then it does not make sense to spend on Scapia as you can generate higher returns using other cards. But if you do have airport visits coming up next month then it makes sense to spend on Scapia. The more airport visits you have lined up, the better the returns.
- You can make advance tax payments or NPS investments to unlock airport benefits.
Travel support & protections
- Zero forex markup on international transactions.
- You get both Visa and RuPay variants of the card.
Apply now
Get 1000 Scapia Coins and 1000 discount on 1st Flight booking on joining by clicking Apply Now.