Scapia Credit Card
Fees
Free
Joining & annual
1st year freeReward Rate
20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)
Welcome Bonus
Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel
Lounge
Unlimited Domestic (₹20K Monthly Spend)
Our Expert Take
Scapia is aimed squarely at younger, digital-first travelers: no joining or annual fee, zero forex markup, and a 20% Scapia Coins return on bookings made through its own app. The domestic lounge access tied to a ₹20,000 monthly spend threshold is an easy bar to clear for regular users.
Reward limits
Checked 3 Oct 2026 · Bank terms
-
10% Scapia Coins on card spends, 20% on travel booked in the Scapia app
No limit -
5% coins on UPI with the RuPay card
Only on payments of ₹500 or more
Pros & Cons
Key Advantages
- 100% Lifetime Free travel credit card with zero joining and annual fees
- Absolute 0% foreign exchange transaction markup fee on international expenditures
- Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
- High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
- RuPay credit card variant available with native UPI payment support
Limitations
- Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app
- No Scapia Coins awarded on fuel, rent, wallet, utility, insurance, or international spends
- Unlimited lounge access requires hitting the ₹20,000 monthly spend threshold
Key Perks & Spending Milestones
20% Scapia Coins earned on flights and hotel bookings made via Scapia app (4% effective return)
10% Scapia Coins earned on all eligible online and offline retail transactions (2% effective return)
1 Scapia Coin = ₹0.20 redemption value for travel bookings on Scapia app with 100% coin utilization
Unlimited domestic airport lounge access across India upon hitting ₹20,000 monthly spend threshold
0% Forex Markup fee on all overseas and foreign currency transactions
No Cost EMI option on 3-month tenure flight and hotel bookings via Scapia app
1% fuel surcharge waiver valid on transactions up to ₹5,000
Spend milestone
Spend ₹20,000 or more in a billing cycle to unlock unlimited domestic airport lounge access for the following cycle
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
Lifetime Free credit card with zero joining or renewal fee liabilities
Interest rate
3.75% per month (45% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 1001_to_5000: ₹600; 5001_to_10000: ₹750; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Individuals; approval also depends on serviced pincode location
Credit score & income
Good (700+)
Compare Scapia Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Scapia Credit Card This Card | Free | 20% Scapia Coins on Scapia app travel bookings (~4% return); 10%... | Unlimited Domestic (₹20K Monthly Spend) | 4.7/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |