Scapia Credit Card 2026: Lifetime Free, Zero Forex Markup, 20% Coins on Travel & Domestic Airport Privileges (Federal, BOB & Axis)
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Apply for Scapia Credit Card: lifetime free, zero forex markup, 20% Coins on travel & domestic airport privileges via Federal, BOB & Axis. Apply online now!
Key Highlights at a Glance
| Feature | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual / Renewal Fee | ₹0 (Lifetime Free) |
| Issuing Banks | Federal Bank, Bank of Baroda (BOBCARD), Axis Bank (newly added) |
| Reward Rate (Visa / Mastercard) | 10% Scapia Coins on eligible spends (min. ₹20 per transaction), up to 10% on Axis |
| Reward Rate (RuPay / UPI) | 5% Scapia Coins on eligible transactions of ₹500 or more |
| Reward Rate (Travel on Scapia app) | 20% Scapia Coins on flights, hotels, buses, trains, visas, experiences and the Scapia Store |
| Weekday / Weekend Rewards | No separate rate |
| Redemption Value (Point to INR) | 5 Scapia Coins = ₹1 |
| Redemption Options | Scapia app: flights, hotels, buses, trains, visas, experiences, group trips, Scapia Store. Up to 100% of the booking value, no cap |
| Domestic Lounge / Airport Privileges | Lounge access, or up to ₹1,000 back (₹500 at smaller airports) on food, shopping or spa. Unlocks with ₹20,000 spend in a billing cycle, combined across cards |
| International Airport Privileges | ₹2,000 back in Coins on shopping or dining at international terminals in India, on a single international flight booking of ₹50,000+ on the Scapia app |
| Movie / Entertainment Perks | Not specified |
| Forex Markup | 0% |
| No-Cost EMI | Available on travel bookings on the Scapia app |
| Add-On Cards | Up to 3 family members at no extra cost (Federal) |
Scapia Co-Branded Credit Card: ₹0 Joining & Annual Fee + Zero Forex Markup
🎁 Key Perks: 20% Scapia Coins on travel bookings via the Scapia app • 10% on Visa/Mastercard spends • 5% on RuPay/UPI spends of ₹500+ • Domestic airport privileges on ₹20,000 spend per billing cycle
Apply Now →💳 Scapia Card: Rewards & Benefits Fact Sheet
🏦 Issuers & Networks
| Issuer | Networks | Note |
|---|---|---|
| Federal Bank | Visa + RuPay | Dual-line card, one credit limit, one statement |
| Bank of Baroda (BOBCARD) | Visa or RuPay | You pick one at signup |
| Axis Bank | Mastercard + RuPay | Newly added. You can choose a single card |
🎯 Reward Rates
| Spend Type | Rewards | Approx. Value |
|---|---|---|
| ✈️ Travel via Scapia app (both networks) | 20% Scapia Coins | ₹4 per ₹100 |
| 💳 Visa / Mastercard eligible spends | 10% Scapia Coins | ₹2 per ₹100 |
| 📲 RuPay / UPI (₹500+) | 5% Scapia Coins | ₹1 per ₹100 |
Rewards are credited during the billing cycle and convert to Scapia Coins on your statement date. 5 Coins = ₹1.
🧮 Real Examples
- 🛒 ₹1,000 grocery spend on Visa: 100 rewards → 100 Coins → ₹20 in travel savings
- 📲 ₹10,000 shopping on RuPay: 500 Coins → ₹100 in travel savings
- ✈️ ₹20,000 flight booked on the Scapia app: 4,000 Coins → ₹800 in travel savings
- 🏨 25,000 Coins = ₹5,000. On a ₹12,000 hotel stay you pay only ₹7,000
🚫 No Rewards On
Transactions below ₹20 (Visa/Mastercard) or below ₹500 (RuPay) • Scapia card bill payments • Late fees or other card charges • ATM cash withdrawals • Loading e-wallets • Education and school fees • Insurance premiums • Fuel • Rent payments • Forex transactions • Crypto transactions • Gift cards • Utility & telecom bills above ₹20,000/month
Note: EMIs are also excluded on the Federal card.
🛫 Airport Privileges (Domestic)
| Privilege | Details |
|---|---|
| 🍽️ Free Meal | 100% back up to ₹1,000 as rewards (up to ₹500 at smaller airports) |
| 🛍️ Shopping | Up to ₹1,000 back (₹500 at smaller airports) |
| 💆 Spa | At select airports |
| 🛋️ Lounge | Select domestic lounges. Generate a QR code in the app. Stay up to 2-3 hours before your flight |
- ✅ Unlock: Spend ₹20,000 in a billing cycle (combined across cards). Privileges activate on your next statement date.
- 📌 Limit: One privilege per airport visit.
- ⏱️ Gap between uses: 24 hours at the same airport, 1 hour at a different airport.
- 🛫 Where it works: Departure airports only (connecting airports count).
- 📍 Activation: You must be at the airport with location on. Upload your boarding pass and activate in the app.
- ⚠️ Important: If you pay before activating, you pay full price and get no Coins.
- 👨👩👧 Add-on cardholders: Must spend ₹20,000 independently to unlock their own privileges.
🌍 International Terminal Privileges
- ✈️ Book an international flight worth ₹50,000 or more in a single booking on the Scapia app
- 🎁 Get ₹2,000 in Scapia Coins back when you shop or dine at international terminals in India
💱 Zero Forex Markup
- 🌐 No forex markup on international transactions. You pay what the merchant charges.
- 📲 Forex transactions themselves don’t earn rewards.
🧳 Scapia App
- 🏨 5 lakh+ resorts, hotels and homestays worldwide
- ✈️ Flights anywhere with all global airlines
- 🚆 Trains across India
- 🚌 1,000+ bus operators across India
- 🎟️ 22,000+ experiences worldwide (new launch)
- 🎒 Scapia Store for travel gear such as backpacks, rain jackets and power banks (new launch)
- 📲 UPI payments through Scapia Pay
- 🔀 No-cost EMIs on travel bookings
🪙 How Scapia Coins Work
- 🔄 Rewards convert to Coins at the end of your billing cycle
- ✅ Toggle on your Coins at checkout in the Scapia app and they apply instantly
- 💯 Cover up to 100% of a booking, with no cap on how many Coins you can use
- ♾️ No minimum threshold and no ceiling on accumulating Coins
- 🧭 Coins work only inside the Scapia app for travel bookings
Eligibility Criteria & Required Documents
Eligibility
- Age: 23 to 40 years
- Employment: Salaried or Self-Employed
- Salaried Income: ₹30,000 per month
- Self-Employed Income: ₹4,00,000 per annum
- Credit Score: 730+
- New to Credit: Not allowed
Documents Required
- ID Proof: PAN Card / Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
- Photograph: Recent passport-sized photo
How to Apply Online
- Click the Apply Now button or this link to open the Scapia Credit Card application page.
- Choose your issuing bank and card network where offered, then enter your name, mobile number, PAN and employment and income details.
- Confirm you meet the age (23 to 40), income and 730+ credit score criteria.
- Upload your ID, address and income proof, then complete KYC.
- Once approved, download the Scapia app, activate your card and start earning Coins.
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