Federal Bank
Scapia Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹550 Rewards
Top Benefits
Get Zero Forex Markup
on all international transactions
Get Unlimited Complimentary Domestic Airport Lounge
access by spending ₹10,000 on the card in the preceding calendar month
Best For
Shopping
Travel
The Scapia Credit Card is an excellent choice for frequent travelers and everyday shoppers who want str...
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The Scapia Credit Card is an excellent choice for frequent travelers and everyday shoppers who want str...
The Scapia Credit Card is an excellent choice for frequent travelers and everyday shoppers who want straightforward rewards without the burden of annual fees. Operating on the VISA network, this co-branded travel card simplifies how you earn and use rewards for your next trip. What makes this card stand out is its effective 2% reward rate on nearly all your spending, coupled with a zero joining and annual fee structure.
If you are someone who loves to travel but hates dealing with complex reward catalogs, this card is built for you. Every time you swipe the card, you earn Scapia Coins that you can instantly use for flights and hotel bookings on the Scapia app. While many premium travel cards charge high annual fees, the Scapia card gives you premium perks like unlimited domestic lounge access and zero forex markup on international transactions, completely free of charge.
View FAQ
Commonly Asked Questions
Is the Scapia Credit Card lifetime free?
Yes, based on the standard fee structure, the card has a zero joining fee and a zero annual fee. You get to enjoy all the travel benefits without worrying about yearly renewal charges.
Who is the ideal user for this card?
This card works best for frequent domestic and international travelers who want a simple reward system. If you spend heavily on daily expenses and want to use those rewards directly for flight or hotel bookings, this card is a perfect fit.
Is the Scapia Credit Card good for international travel?
Absolutely. The card provides zero forex markup on international transactions, making it highly cost-effective when you swipe it abroad or shop on international websites in foreign currencies.
Can I use my rewards outside the Scapia app?
No, the rewards earned on this card are Scapia Coins, which are exclusively designed for redemption within the Scapia app. You can use them to book flights, buses, and hotels directly on their platform.
Expert Review
As a credit card expert reviewing dozens of travel cards, the Scapia Credit Card is an incredibly refreshing product. The math is simple: you pay nothing to hold the card, and you get an effective 2% return on your daily spending. For a lifetime free card to offer unlimited domestic lounge access (even with a highly reasonable Rs. 10,000 monthly spend condition) is practically unheard of in today's market where banks are aggressively devaluing lounge perks.
However, it is not without its flaws. My biggest criticism is the rigid reward redemption ecosystem. Scapia Coins are only useful if you book travel through the Scapia app. If the app's flight or hotel prices are inflated compared to other booking sites, your 2% reward rate loses its real-world value. Additionally, the Rs. 20,000 monthly cap on utility rewards restricts high spenders from maximizing their points on household bills.
Verdict: If you are an avid domestic traveler who easily spends Rs. 10,000 a month on regular shopping and groceries, get this card immediately. It serves as the ultimate zero-cost companion for airport lounges and free flights. If you want hard cash back or prefer booking travel on MakeMyTrip or Agoda, look toward standard cashback cards instead.
Joining/Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
One of the strongest selling points of the Scapia Credit Card is its fee structure. The card does not b...
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One of the strongest selling points of the Scapia Credit Card is its fee structure. The card does not b...
One of the strongest selling points of the Scapia Credit Card is its fee structure. The card does not burden you with any upfront or recurring charges for merely holding it in your wallet.
The joining fee for this card is strictly Rs. 0. You do not have to pay anything when the card is issued to you. Furthermore, the annual renewal fee is also Rs. 0. This effectively makes the Scapia Credit Card a lifetime free product. Because there is no annual fee, you do not have to stress over hitting massive annual spending milestones just to get a fee waiver. You get to enjoy the 2% effective reward rate, unlimited lounge access (based on monthly spends), and travel perks completely free of yearly maintenance charges.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 0. You do not pay anything to get the card issued.
What is the annual or renewal fee?
From the second year onwards, the annual fee is Rs. 0. There are no recurring yearly charges for this card.
Is there an annual fee waiver option?
Since the annual fee is already zero, you do not need to worry about meeting any spending requirements for an annual fee waiver.
How can I get this card lifetime free?
The card is inherently offered as lifetime free based on the current fee schedule of zero joining and zero annual fees.
Are there any hidden charges I should know about?
While there are no yearly holding fees, standard charges apply for things like late payments, cash withdrawals, and revolving credit interest.
If the card is free, do I still get unlimited lounge access?
Yes, but the lounge access is linked to your monthly spending. You must spend Rs. 10,000 in a billing cycle to get lounge access for the next month.
Can the bank change the annual fee later?
Banks reserve the right to revise their fee structures. However, cards issued as lifetime free usually remain free. You will be notified in advance if T&Cs change.
Do I need to spend a certain amount every year to keep the card active?
While there is no fee waiver target, RBI guidelines mandate that credit cards with zero usage for an extended period (usually a year) may be closed by the bank.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
5LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
Getting approved for the Scapia Credit Card requires meeting specific age, income, and credit score par...
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Getting approved for the Scapia Credit Card requires meeting specific age, income, and credit score par...
Getting approved for the Scapia Credit Card requires meeting specific age, income, and credit score parameters. The bank accepts applications from both salaried employees and self-employed individuals, making it accessible to a wide audience.
First, the primary applicant must be at least 21 years old. The upper age limit is capped at 65 years. Whether you have a regular day job or run your own business, the income requirement is quite reasonable. You need to demonstrate a monthly income of Rs. 35,000, which translates to an annual income of Rs. 5 Lakhs.
Your credit history plays a major role in the approval process. The bank requires a minimum CRIF score of 720. If your credit score is below 720, or if you have a history of missed payments, your application may be declined. Ensuring you have a clean credit report and stable income of at least Rs. 35,000 per month gives you the best chance of getting this lifetime free travel card.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 21 years old to be eligible for the Scapia Credit Card.
What is the maximum age limit for the primary cardholder?
The upper age limit for eligibility is 65 years at the time of application.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 35,000 to qualify. This equates to an annual package of roughly Rs. 4.2 to 5 Lakhs.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate an annual income of at least Rs. 5 Lakh.
Can self-employed individuals apply for this card?
Yes, both salaried employees and self-employed professionals can apply if they meet the age and income requirements.
What credit score (CIBIL/CRIF) is needed for approval?
A minimum CRIF credit score of 720 is required for a smooth approval process on this card.
Will my application be rejected if my credit score is 700?
Yes, it is highly likely. Since the strict requirement is a 720 CRIF score, applications below this threshold face a high chance of rejection.
Can students apply for the Scapia Credit Card?
Students qualify if they are at least 21 years old and have a provable regular income of Rs. 35,000 per month.
Do I need an existing relationship with the issuing bank?
While not mandatory, having a good banking history helps. However, you can apply as a new-to-bank customer as long as you meet the income and score criteria.
Can I apply if I have no credit history at all?
Since the bank requires a CRIF score of 720, individuals with no credit history (-1 or NH) are generally ineligible; however, approval is possible if you demonstrate a high stable income above Rs. 10 Lakhs per annum.
All Card Benefits
- Earn 20% Scapia Coins on travel bookings via the Scapia app
- Earn 10% Scapia Coins on all eligible online and offline spends
- Earn 5% Scapia Coins on UPI and RuPay spends of ₹500 or more
- Unlimited complimentary domestic airport lounge access on spending ₹10,000 per billing cycle (Visa) or ₹15,000 (RuPay)
Reward Points Structure
The core attraction of the Scapia Credit Card is its generous and straightfo...
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Reward Points Structure The core attraction of the Scapia Credit Card is its generous and straightfo...
Reward Points Structure
The core attraction of the Scapia Credit Card is its generous and straightforward reward system. You earn a 10% reward in the form of Scapia Coins on every eligible online and offline spend. While 10% sounds massive, it is important to understand the math behind the coin value. One Scapia Coin is worth Rs. 0.20. Therefore, 5 Scapia Coins equal Rs. 1.
In practical terms, this gives you an effective 2% return on your spending. Let's say you spend Rs. 20,000 on groceries and shopping this month. You will earn 2,000 Scapia Coins. At a value of Rs. 0.20 per coin, your total reward value is Rs. 400. Over a year, spending Rs. 3 lakh on this card yields Rs. 6,000 in travel value, which is exceptional for a card with no annual fee.
Welcome Benefits
The Scapia Credit Card does not offer a traditional upfront welcome bonus like free flight vouchers or bulk reward points upon approval. However, the card comes with a strict activation condition. To secure your eligibility for any future welcome promotions or to simply activate the reward earning feature, you must make a minimum transaction of Rs. 1 within 30 days of the card being issued.
Failing to make this simple Rs. 1 transaction means you forfeit any chance at welcome benefits that the bank might roll out for your specific variant. We recommend buying a small item online or doing a quick mobile recharge the day your card arrives to ensure your account is fully activated.
Airport Lounge and Dining Benefits
For a lifetime free credit card, the lounge benefits on the Scapia card are spectacular. You get unlimited domestic airport lounge access every single month. To qualify for this perk, you need to spend Rs. 10,000 on your Visa card in the previous billing cycle. If you happen to be issued the RuPay variant, the milestone is Rs. 15,000.
For example, if your billing cycle ends on the 15th of the month, and you spent Rs. 12,000 between the 16th of last month and the 15th of this month, you have unlimited lounge access for the current month. You simply access the participating lounges using the QR code inside the Scapia app. Additionally, hitting this exact same monthly spend milestone gives you complimentary dining at select airport outlets, making your pre-flight experience incredibly comfortable.
Fuel Surcharge Waiver
While the Scapia Credit Card is designed for travel, it does offer some relief at the fuel pump. You receive a 1% fuel surcharge waiver on fuel transactions up to Rs. 5,000 per statement cycle. The maximum waiver you can earn is Rs. 500 per month.
However, be very careful if you are a heavy spender. If your fuel spends exceed Rs. 50,000 in a single month, the bank applies a 1% convenience fee plus GST on those excess transactions, capped at Rs. 3,000 per transaction. For the average user spending Rs. 3,000 to Rs. 4,000 a month on petrol, you will get the standard 1% waiver without hitting any negative convenience fees.
View FAQ
Commonly Asked Questions
What is the exact reward rate on my purchases?
You earn 10% Scapia Coins on eligible transactions. Since 5 coins equal Rs. 1, this translates to an effective 2% cashback value on your spending.
How much are 1,000 Scapia Coins worth?
With one Scapia Coin valued at Rs. 0.20, a balance of 1,000 Scapia Coins gives you Rs. 200 worth of travel booking value on the Scapia app.
Do I earn Scapia Coins on utility bill payments?
Yes, but there is a limit. You earn rewards on utility, telecom, and cable spends up to Rs. 20,000 in a single statement month. Any amount spent above this cap will not earn rewards.
Will I earn rewards when I buy groceries at a local store?
Yes, offline purchases are fully eligible. If you spend Rs. 5,000 at a local supermarket, you will earn 500 Scapia Coins, which is worth Rs. 100.
Are online shopping platforms like Amazon and Flipkart eligible?
Yes, all eligible online purchases earn the standard 10% Scapia Coins. You get the same great return whether you shop online or swipe your card in a store.
Do I get rewards on international transactions?
Yes, eligible international transactions earn Scapia Coins just like domestic spends, allowing you to maximize rewards while traveling abroad.
Is there a monthly maximum cap on how many Scapia Coins I can earn?
The standard reward category has no hard monthly cap, allowing you to earn unlimited coins on general spends, while utility rewards are capped at a Rs. 20,000 monthly spend limit. No global monthly limit is currently enforced beyond these specific category caps.
What happens to my rewards if I refund a purchase?
If you return an item and the transaction is reversed, the Scapia Coins earned on that specific purchase will be deducted from your rewards balance.
Can I earn rewards on gold or jewelry purchases?
Jewelry purchases earn standard rewards unless explicitly blocked by the bank. However, purchasing digital gold or crypto assets is strictly excluded from rewards.
Do I earn points for paying my credit card bill?
No, credit card repayments and other financial institution payments do not earn any Scapia Coins.
Does the Scapia Credit Card give free points when I join?
No, this card does not currently offer a standard category of welcome benefits or upfront bonus points just for getting approved.
How do I activate the card to ensure I get all benefits?
You must make a minimum transaction of Rs. 1 within 30 days of card issuance. This activates your card and ensures you remain eligible for any future promotional benefits.
What happens if I forget to use the card in the first 30 days?
If you fail to make the Rs. 1 minimum transaction within 30 days, you will become permanently ineligible for any welcome benefits associated with the card.
Is there a first-year fee I need to pay to activate the benefits?
No, there is no joining fee. You only need to make a purchase of at least Rs. 1 to meet the activation requirement.
Do I get a free flight ticket as a welcome gift?
No, the Scapia card does not provide free flight tickets as a welcome gift. You must earn Scapia Coins through spending to book flights.
How many free lounge visits do I get per year?
You get unlimited domestic airport lounge access, provided you meet the minimum spending requirement in your previous billing cycle.
What is the exact spending requirement for lounge access?
You must spend Rs. 10,000 on the Visa variant or Rs. 15,000 on the RuPay variant in your previous statement cycle to qualify for unlimited lounge access this month.
Do I need a physical Priority Pass card for lounge entry?
No, lounge access is completely digital. You enter participating domestic lounges by scanning a QR code generated within the Scapia app.
Does this card offer international lounge access?
No, the lounge benefit is specifically restricted to participating domestic airport lounges within India.
What is the complimentary airport dining benefit?
When you meet the same Rs. 10,000 monthly spend milestone on your Visa card, you also get complimentary dining at select airport food outlets.
Can my family members use my free lounge access?
No, lounge access is strictly for the primary cardholder. Guests traveling with you will need to pay the standard lounge entry fee.
How much fuel surcharge waiver can I get each month?
You can get a maximum surcharge waiver of Rs. 500 per statement cycle, which covers fuel transactions up to Rs. 5,000.
Do I earn Scapia Coins on my petrol purchases?
No, fuel and fuel surcharge transactions are strictly excluded from earning any Scapia Coins.
What happens if I spend Rs. 60,000 on fuel in one month?
If your fuel spends exceed Rs. 50,000 in a month, you will be charged a 1% convenience fee plus GST on the transactions above that limit.
Is there a minimum transaction amount to get the fuel waiver?
The minimum transaction amount to receive the fuel waiver is Rs. 400, following the standard threshold for credit card fuel benefits.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Scapia Coin = ₹0.20
Redemption Options
- Scapia app
To check redemption catalogue
Redeeming rewards on the Scapia Credit Card is a unique process designed specifically for travelers. Un...
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Redeeming rewards on the Scapia Credit Card is a unique process designed specifically for travelers. Un...
Redeeming rewards on the Scapia Credit Card is a unique process designed specifically for travelers. Unlike standard cashback cards that credit money to your statement, Scapia requires you to use their proprietary app to get value from your Scapia Coins.
Here is how it works: You earn 1 Scapia Coin for every Rs. 0.20 in reward value (meaning 5 coins = Rs. 1). When you want to redeem, you must open the Scapia app and navigate to the travel booking section. You can search for domestic or international flights, hotels, and bus tickets. At checkout, you can apply your accumulated Scapia Coins directly against the booking cost. Alternatively, the app allows you to use your coins to pay for upcoming travel expenses logged on the card.
For example, if you have 10,000 Scapia Coins, you have Rs. 2,000 in redemption value. If you book a flight worth Rs. 5,000 on the Scapia app, you can apply your 10,000 coins and pay the remaining Rs. 3,000 using your Scapia Credit Card. The process is completely fee-free, meaning you don't lose any value to redemption charges.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You must log into the Scapia app, navigate to the travel section, and select a flight, hotel, or bus. You can then apply your Scapia Coins directly at checkout.
What is the exact rupee value of my Scapia Coins?
One Scapia Coin is equal to Rs. 0.20. Therefore, if you have accumulated 5,000 Scapia Coins, your total redemption value is Rs. 1,000.
Can I redeem Scapia Coins for Amazon vouchers or cash?
No, the redemption options are strictly limited to booking flights, hotels, and buses through the Scapia app, or covering travel expenses.
Is there a minimum coin balance needed before I can redeem?
There is no minimum coin balance required to redeem; the Scapia app allows you to use your available coins to discount any total fare.
Is there a fee for redeeming my rewards?
No fee is charged when redeeming reward points on this card. You get the full value of your Scapia Coins without any deduction.
Do my Scapia Coins expire if I don't travel often?
Scapia Coins are valid for 3 years, providing a long window for redemption from the date they are credited to your account.
Can I use Scapia Coins to pay my monthly credit card bill?
No, Scapia Coins cannot be used for general statement credits. They are designed exclusively for travel-related redemptions via the app.
What happens to my coins if I close my Scapia account?
If you close your credit card account, any unredeemed Scapia Coins will be forfeited immediately. Always use your rewards before initiating closure.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Federal Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Federal Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Rent
Wallet Load
Education Fees
Gift Cards
Cash Advances
EMI Transactions
Government Spends
Credit Card Bill Payment
Utilities
For Spends Waiver
Fuel
Rent
Wallet Load
Education Fees
Gift Cards
Cash Advances
EMI Transactions
Government Spends
Credit Card Bill Payment
Utilities
To maximize your 2% effective reward rate, you must understand exactly where the Scapia Credit Card doe...
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To maximize your 2% effective reward rate, you must understand exactly where the Scapia Credit Card doe...
To maximize your 2% effective reward rate, you must understand exactly where the Scapia Credit Card does not yield any benefits. The bank has a comprehensive list of excluded categories that will not earn a single Scapia Coin.
Transactions that yield zero rewards include money transfers, rent payments, cash withdrawals, EMI transactions, and forex transactions. Furthermore, you will not earn rewards on school and education fees, gift card purchases, credit card repayments, crypto or digital asset transactions, digital wallet loading, and fuel purchases.
There is also a critical cap on household bills: Utility, telecom, and cable spends will only earn rewards up to Rs. 20,000 in a single statement month. If your combined electricity, internet, and phone bills hit Rs. 25,000 in a month, the final Rs. 5,000 will not earn any Scapia Coins. Knowing these limits prevents you from swiping the card for massive rent or school fee payments expecting a huge reward, only to receive nothing.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Excluded categories include rent, fuel, money transfers, cash withdrawals, EMI conversions, forex, school fees, gift cards, crypto, and wallet top-ups.
Are fuel transactions excluded from earning rewards?
Yes, fuel and fuel surcharge transactions are fully excluded. You do not earn any Scapia Coins at the petrol pump, though you may get a surcharge waiver.
Does paying rent with this card earn reward points?
No, rent payments do not earn any rewards. Additionally, the bank charges a 1% fee on the transaction amount when you use the card to pay rent.
Do wallet top-ups or gift card purchases earn rewards?
No, loading money into digital wallets (like Paytm or Amazon Pay) and purchasing gift cards are excluded from the reward program.
Are education or school fee payments excluded from earning rewards?
Yes, school and educational fee payments do not qualify for Scapia Coins. You should use a different card if you want rewards on tuition fees.
How does the Rs. 20,000 utility cap work?
You earn 10% Scapia Coins on utility, telecom, and cable bills only up to a total spend of Rs. 20,000 per month. Any amount spent beyond this cap earns zero rewards.
Will I earn points if I convert a large purchase into an EMI?
No, EMI transactions are explicitly excluded. If you convert a Rs. 50,000 smartphone purchase into an EMI, you forfeit the rewards on that purchase.
What happens if I accidentally make a payment in an excluded category?
The payment will process successfully, but you simply will not earn any Scapia Coins for that specific transaction. No penalties apply unless it incurs a fee like rent.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  This card charges zero forex markup on international transactions on the Visa variant. All foreign currency transactions are processed at the standard Visa exchange rate with no additional conversion fee | 0% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500 | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees Cheque payments are not accepted for this card. Payments must be made via UPI, Net Banking, IMPS or NEFT through the Scapia app | Not Applicable |
Cash Payment Fees Cash payments are not accepted for this card. Payments must be made via UPI, Net Banking, IMPS or NEFT through the Scapia app | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 – ₹500 | ₹0 |
| ₹501 – ₹5,000 | ₹100 |
| ₹5,001 – ₹10,000 | ₹500 |
| ₹10,001 – ₹25,000 | ₹600 |
| ₹25,001 – ₹50,000 | ₹750 |
| ₹50,000+ | ₹950 |
Understanding the complete fee structure of the Scapia Credit Card is essential to ensure your lifetime...
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Understanding the complete fee structure of the Scapia Credit Card is essential to ensure your lifetime...
Understanding the complete fee structure of the Scapia Credit Card is essential to ensure your lifetime free card doesn't accidentally cost you money. Below is a detailed breakdown of every charge you might encounter, followed by a summary table.
The joining fee for the Scapia Credit Card is Rs. 0. You do not pay any upfront cost to get this card issued to your name, making it highly accessible.
The annual or renewal fee is also Rs. 0. Because there is no yearly charge, you do not have to worry about hitting any annual spending targets just to get a fee waiver. You can hold the card for years without paying a maintenance fee.
If you fail to pay your total outstanding amount by the due date, finance charges of 3.75% per month (55.55% per annum) apply on the unpaid balance. For example, if you carry a balance of Rs. 10,000 past the due date, you will be charged roughly Rs. 375 in interest for that month, plus GST. This is a very high APR, so paying in full is highly recommended.
Late payment charges are applied based on your outstanding balance. If your balance is under Rs. 500, the fee is Rs. 0. For balances between Rs. 501 and Rs. 5,000, the fee is Rs. 500. Between Rs. 5,001 and Rs. 10,000, it is Rs. 750. For amounts Rs. 10,000 and above, the fee is Rs. 1,200. For instance, missing a payment on a Rs. 6,000 bill will cost you Rs. 750.
Regarding foreign transactions, while Scapia heavily advertises "Zero Forex Markup" as a core promotional benefit, the standard bank schedule lists a 3.5% forex markup on transactions made in currencies other than INR. For example, spending Rs. 10,000 on an international site incurs a Rs. 350 standard fee. Verify with the bank if your specific card variant or current promotional status waives this 3.5% fee.
If you withdraw cash from an ATM using this card, a fee of 2.5% of the withdrawn amount is charged, subject to a minimum of Rs. 500. If you withdraw Rs. 10,000 in an emergency, you will be hit with a Rs. 500 fee instantly, plus interest accrues from day one.
Using your card to pay rent attracts a 1% convenience fee. If you use a platform to pay a Rs. 20,000 monthly rent bill via this credit card, the bank will add a Rs. 200 fee (plus GST) to your statement.
Railway bookings will attract a surcharge as prescribed by IRCTC or Indian Railways. This is standard across all credit cards, and the exact amount depends on the IRCTC gateway charges at checkout.
If you choose to pay your credit card bill by depositing physical cash at a bank branch, a cash payment fee of Rs. 175 per deposit applies. Paying via digital apps is always free and preferable.
There is no cheque payment fee charged by the bank. However, if your cheque bounces, separate penalty charges would apply.
Finally, there is no reward redemption fee. Redeeming your Scapia Coins for travel on the app is completely free, ensuring your points retain their full 2% effective value.
| Fee Category | Amount / Rate |
|---|---|
| Joining Fee | Rs. 0 |
| Annual / Renewal Fee | Rs. 0 |
| Interest Rate (APR) | 3.75% per month (55.55% annually) |
| Late Payment Charges | Rs. 0 to Rs. 1,200 (based on balance) |
| Forex Markup Fee | 3.5% (Check for zero forex promotional waiver) |
| Cash Withdrawal Fee | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | As per IRCTC guidelines |
| Cash Payment Fee | Rs. 175 per deposit |
| Cheque Payment Fee | N/A |
| Reward Redemption Fee | Not Applicable (Free) |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 0. There is no upfront cost to acquire the card.
What is the annual or renewal fee?
The annual renewal fee is Rs. 0, making the card free to hold year over year.
Is there an annual fee waiver based on spending?
Since the annual fee is already zero, there are no spending targets required for a fee waiver.
How can I get this card lifetime free?
The card is issued as lifetime free by default, with no joining or annual fees attached.
What is the interest rate (APR) if I don't pay my full balance?
The interest rate is 3.75% per month, which translates to an incredibly high 55.55% annually.
How is the interest calculated on outstanding balances?
Finance charges of 3.75% per month apply on unpaid outstanding balances until the amount is fully repaid. If you leave Rs. 10,000 unpaid, expect about Rs. 375 in interest that month.
What are the late payment charges?
Late fees range from Rs. 0 to Rs. 1,200 depending on your outstanding balance at the time of the missed due date.
Is the late payment fee different based on outstanding amount?
Yes. It is Rs. 0 for balances under Rs. 500, Rs. 500 for balances up to Rs. 5,000, Rs. 750 up to Rs. 10,000, and Rs. 1,200 for amounts above that.
What is the forex markup for international transactions?
While marketed as a zero forex card, the standard fee schedule lists a 3.5% markup. Verify if your specific variant qualifies for the 0% promotional waiver.
Can I withdraw cash using my credit card?
Yes, but a cash advance fee of 2.5% of the withdrawn amount applies, subject to a minimum of Rs. 500.
What are the cash withdrawal charges and limits?
2.5% of the withdrawn amount is charged. If you withdraw Rs. 20,000, you pay a Rs. 500 fee immediately, plus high daily interest.
What happens if I spend more than my credit limit?
Transactions exceeding your credit limit are declined. In instances where an over-limit transaction is processed, an over-limit fee of 2.5% of the excess amount (minimum Rs. 500) will be charged.
Are there fees for paying rent with this card?
Yes, a 1% fee is charged on the transaction amount when paying rent. Paying Rs. 15,000 in rent will cost you an extra Rs. 150.
Is there a fee for paying my bill in cash?
Yes, paying your credit card bill with physical cash at a branch incurs a Rs. 175 cash payment fee per deposit.
What are the charges for cheque payment of bills?
No cheque payment fee is charged by the bank when you drop a cheque for bill clearance.
Are there charges for railway ticket bookings?
Yes, a surcharge is levied as prescribed by IRCTC or Indian Railways during the booking process.
Is there a fee to redeem my reward points?
No fee is charged when redeeming your Scapia Coins on the app. It is entirely free.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
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Commonly Asked Questions
What documents do I need to apply for the Scapia Credit Card?
You primarily need your PAN card and Aadhaar card for digital KYC verification.
Do I need to submit physical copies of my documents?
No, the process is entirely paperless. You will authenticate your Aadhaar via OTP and show your physical PAN card during the Video KYC call.
Do I need to upload salary slips?
The digital approval process assesses your income based on your credit profile. However, the bank may ask for salary slips or bank statements if they require further verification.
Is a digital PAN card acceptable for Video KYC?
No, you must present the original, physical hard copy of your PAN card during the Video KYC session. E-PANs or photocopies are rejected.
What proof of address is accepted?
Your address is verified electronically through Aadhaar eKYC. Ensure your current address matches the one linked to your Aadhaar card.
Do self-employed individuals need to submit ITR documents?
If manual income verification is triggered, self-employed applicants may be asked to provide their latest Income Tax Returns (ITR) showing at least Rs. 5 Lakh annual income.
Who Should Get This Card?
The Scapia Credit Card is tailor-made for the modern, budget-conscious traveler. If you take 3-4 domestic trips a year, stay in hotels, and spend roughly Rs. 15,000 to Rs. 30,000 a month on daily expenses, this card is a goldmine. You earn a solid 2% return on all those daily spends, which translates directly into free flight tickets on the Scapia app. Moreover, by easily hitting the Rs. 10,000 monthly spend requirement, you unlock unlimited domestic lounge access, saving you thousands of rupees in airport food costs.
However, you should avoid this card if you prefer traditional statement cashback. The rewards are locked into the Scapia app ecosystem. If you don't travel often or if you prefer redeeming points for Amazon vouchers or cash in the bank, the Scapia Coins will be useless to you. Furthermore, heavy rent-payers or fuel-buyers should look elsewhere, as these categories are strictly excluded from rewards.
Credit Limit and What to Expect
Your credit limit on the Scapia Credit Card is determined by the bank based on your income, existing debt, and your CRIF score of 720 or above. Because this is an unsecured credit card, the limit is tailored specifically to your financial profile.
If you have an income of Rs. 35,000 per month, your initial limit will range from Rs. 40,000 to Rs. 75,000. For high-income earners with excellent credit scores, the limit can be significantly higher. Scapia also offers in-app controls that allow you to set your own daily transaction limits for online, POS, and international spending, ensuring your card remains secure if misplaced.
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Commonly Asked Questions
How does the bank decide my credit limit?
Your limit is assigned based on your declared income, credit score, repayment history, and the total limits of other credit cards you currently hold.
What is the minimum credit limit I can expect?
Meeting the Rs. 35,000 income criteria results in a starting limit of at least Rs. 30,000 to Rs. 50,000 based on your credit profile.
Can I request a credit limit increase?
Yes, after 6 to 12 months of responsible usage and timely bill payments, the bank may offer an automated increase or allow you to request one via the app.
Does checking my limit on the app affect my credit score?
No, viewing your assigned credit limit and managing it within the Scapia app does not impact your credit score at all.
Can I set a lower limit for online transactions?
Yes, the Scapia app gives you full control to set personalized sub-limits for domestic, international, online, and offline transactions for security.
What happens if I try to spend beyond my credit limit?
The transaction will generally be declined. If the bank does approve an over-limit transaction, you may be charged a hefty over-limit fee.
How to Apply?
Applying for the Scapia Credit Card is a fully digital process designed for speed and convenience. You can complete the entire journey from your smartphone.
To begin, download the Scapia app or visit their official website. You will need to enter your basic details, including your PAN number and monthly income. The system will instantly check your CRIF score (which needs to be 720 or above) and determine your eligibility. If approved, you will proceed to the Video KYC stage. Ensure you have your physical PAN card handy, a blank piece of paper with a pen, and a well-lit room with a stable internet connection. Once your Video KYC is verified, your virtual card is generated instantly, and the physical card is dispatched to your registered address.
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Commonly Asked Questions
Where can I apply for this credit card?
You can apply online directly through the Scapia mobile application or their official website.
What is Video KYC and is it mandatory?
Video KYC is a mandatory digital verification process where a bank agent verifies your identity over a video call. It removes the need for physical paperwork.
What do I need for a successful Video KYC call?
Keep your original physical PAN card and Aadhaar card ready. Ensure you are in a quiet, well-lit room with a strong internet connection.
How can I track my application status?
You can track your real-time application status directly inside the Scapia app using your registered mobile number.
How long does the approval process take?
If your profile is strong and Video KYC is successful, approval is often instant, with the virtual card generated immediately on the app.
Can I apply offline by visiting a branch?
The Scapia Credit Card is a digital-first product available exclusively through the Scapia app; no physical branch application process exists at this time.
What happens if my Video KYC fails?
If the video call drops or fails, you can usually retry the process from the app link. Repeated failures might require manual physical verification.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹550 Rewards
Top Benefits
Get Zero Forex Markup
on all international transactions
Get Unlimited Complimentary Domestic Airport Lounge
access by spending ₹10,000 on the card in the preceding calendar month
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