The Scapia Credit score Card is a co-branded card issued by Federal Financial institution in partnership with Scapia, who markets and distributes the cardboard.
Scapia Credit score Card is designed for the new-age travellers preferring to have journey experiences as rewards over the same old cashback sort rewards.
The Scapia app is trendy, simple to make use of, and presents one of many smoothest software processes within the nation. Right here’s every part it’s essential to know concerning the Federal Financial institution Scapia Credit score Card in it’s present type:
Overview
| Sort | Journey Credit score Card |
| Reward Fee | Upto 4% |
| Eligibility | 750+ CIBIL Rating helps |
| Becoming a member of / Renewal Payment | Nil [Lifetime Free] |
| Greatest for | Journey Spends & redemptions |
| USP | 0% Foreign exchange |
For those who look nearer, Scapia is an fascinating card: it’s an entry-level card, but presents advantages like a journey card with a reward charge nearly as good as premium playing cards and a person expertise matching super-premium ones.
So regardless of which phase you belong, you would possibly nonetheless love this card.
*** Greatest Free Journey Card of 2025 ***
Earn Scapia Cash
| SPEND TYPE | Scapia Cash | Reward Fee |
|---|---|---|
| Common Spends | 10% | 2% |
| Journey Spends (on Scapia App) |
20% | 4% |
- Excluded class for rewards: Hire, Training, Reward Playing cards, Gasoline, Authorities Spends & Pockets High-Ups
- Scapia Cash worth: 0.20 INR/coin
The Scapia Credit score Card provides 2% base reward charge, which is nice for a lifetime free card, nevertheless the reward charge on journey spends may have been greater, because it’s restricted to spends executed on the app.
For those who’re in search of higher rewards, you would possibly just like the 5% cashback on on-line spends with SBI Cashback Credit score Card.
Notice: The 10% or 20% Scapia cash talked about on the app as earn charge is about cash, not precise proportion.
Further Phrases:
- Utility and telecom invoice funds earn 2% reward charge on spends as much as ₹20,000 per billing cycle
- Utility (or) Gasoline spends over 50,000 INR will appeal to 1% price (upto 3K INR)
- Hire & Pockets Load will appeal to 1% price (max. upto 3K INR)
- 1% Gasoline surcharge waiver as much as ₹5000/txn
Redeem Scapia Cash
Scapia cash can be utilized not only for flights and lodges, but additionally for buses, trains and even Visa, a novel characteristic. Nonetheless, Visa redemptions are bit dear from what I see.
The excellent news is you may redeem 100% of your Scapia cash for journey.
Foreign exchange Markup Payment
- Foreign exchange Markup Payment: 0%
- Reward charge on Intl. Spends: 0%
- Web acquire: 0%
0% foreign exchange markup is normally seen solely on choose premium playing cards, however the Scapia Credit score Card brings it to everybody, serving to particularly newcomers save rather a lot on worldwide spends.
Lounge Entry
| ACCESS TYPE | VIA | LIMIT |
|---|---|---|
| Home Lounge Entry | Visa | Limitless |
- Spend Requirement: 10,000 INR per thirty days on Visa (or 15K INR on Rupay)
It’s certainly a shock to see limitless lounge entry on the cardboard with spend requirement as little as 10,000 INR, which is honest sufficient.
Talking of lounge entry, it’s one of many 4 choices you may select beneath the airport privileges profit on this card. Let’s have a look at them intimately:
Airport Privileges
- Choices: Store, Dine, Spa, Lounge.
- What you get? 100% again as factors on airport store/dine spends
- Max Cap: Upto 1,000 INR per go to
- Restrict: 1 entry (both of above) for each departure.
This can be a distinctive profit that the majority different playing cards don’t provide, and it’s a superb thought. Assuming you get lounge entry on different playing cards, you should utilize this profit to buy one thing on the airport.
It will be good to see extra playing cards providing a profit like this in future, maybe with 100% cashback as an alternative of factors.
On this case, as an alternative of paying the lounges in your entry, they pay that quantity to you, however in factors, which works out even higher for them.
Right here’s the way it works:
- Meet the spend requirement. (10K INR on Visa; 15K INR on Rupay)
- Open the app, choose the choice: Store, Dine, Lounge, Spa
- Activate the outlet the place you wish to spend.
- Spend utilizing the cardboard.
You’ll get Scapia cash price as much as ₹1,000 at metro airports (Mumbai, Delhi, Bangalore, Chennai, Kolkata, Hyderabad) and ₹500 at different airports.
The profit applies to each “Departure” (not arrival) and there’s no restrict on what number of occasions you may avail this, so it’s an impressive profit for those who fly typically.
The app is effectively designed to grasp the entire course of, so that you gained’t go clueless.
Primarily, each time you go to the airport, you have got an choice to go for some free purchasing if lounge shouldn’t be your factor.
Arms-on Expertise
I utilized for the Scapia Credit score Card by way of the app, and it was one of many smoothest bank card software experiences I’ve had in current occasions.
It took me lower than 10 minutes to use, and the KYC was scheduled instantly, taking one other 10 minutes or so.
The cardboard was accredited inside a day, with the digital card prepared for immediate use. The bodily card arrived in about three days.
Whereas the onboarding was nice, the app was even higher.
The UI is not only lovely but additionally extremely useful. Each element is thoughtfully designed, delivering a buttery-smooth expertise I’ve in any other case solely seen in prototypes.
Must you get it?
Sure, Completely!
The Scapia Federal Credit score Card comes with numerous advantages like: 0% Foreign exchange, 2% Base Rewards, Lounge Entry (or) Airport Buying price 1,000 INR on each journey.
And all of that given on a Lifetime Free Card. For those who’re into journey, it is a should have bank card in your pockets.
*** Greatest Lifetime Free Credit score Card ***
Backside line
Scapia Federal Financial institution Credit score Card is a splendidly rewarding lifetime free bank card for contemporary travellers in search of journey experiences as rewards.
Aside from the cardboard advantages, the app is effectively built-in with the financial institution, permitting us to carry out all key actions seamlessly inside the app.
General, it’s vital bank card for any traveler, and I hope they provide you with a premium or super-premium variant sooner or later.
Do you maintain Scapia Federal Credit score Card? Be at liberty to share your expertise within the feedback under.