✨Scapia Credit Card Key Highlights
✅ Unlimited Domestic Lounge Access – Enjoy complimentary visits to airport lounges across India.
✅ Zero Forex Mark-Up – No hidden fees on international transactions.
✅ Up to 20% Scapia Coins – Earn rewards on travel bookings via the Scapia app.
✅ No Joining/Annual Fee – Lifetime free credit card with premium benefits.
✅ Complimentary RuPay Card – Earn 5% rewards on UPI spends (min. ₹500).
🏆 Rewards & Benefits of Scapia Credit Card
1. Scapia Coins – Travel More, Earn More
- 20% Coins on travel bookings via Scapia app (flights, hotels, trains, buses).
- 10% Coins on all other online/offline spends in India.
- 5% Coins on UPI transactions (via complimentary RuPay card, min. ₹500).
🔹 Redemption:
- 5 Scapia Coins = ₹1 (redeemable only on Scapia app for travel).
- No expiry for 36 months.
2. Unlimited Domestic Lounge Access
- Access unlimited domestic airport lounges with a monthly spend of ₹10,000+.
- Scapia Credit Card
3. Zero Forex Mark-Up
- No extra charges on international transactions (unlike most cards that charge 3-4%).
4. No-Cost EMI on Travel
- Convert travel bookings into interest-free EMIs via the Scapia app.
- Scapia Credit Card
5. Fuel Surcharge Waiver
- 1% waiver (up to ₹500/month) on fuel spends up to ₹5,000.
💳 Fees & Charges of Scapia Credit Card
| Feature | Details |
|---|---|
| Joining/Annual Fee | FREE |
| Forex Mark-Up Fee | 0% |
| Finance Charges | 3.75% per month (45% p.a.) |
| Late Payment Charges | ₹100 – ₹1,000 (based on due amount) |
👍 Pros & Cons
✔️ Why Choose Scapia?
- Best for frequent travelers (domestic & international).
- High rewards on travel spends (up to 20% back).
- No annual fee, no forex charges for Scapia Credit Card
- UPI rewards via RuPay card.
❌ Limitations
- No rewards on international spends.
- Lounge access requires ₹10,000 monthly spend.
- Redemption only via Scapia app (no cashback/statement credit).
🔍 Who Should Get This Card?
✔ Frequent travelers – Maximize rewards on flights, hotels, and forex savings.
✔ High spenders – No cap on Scapia coin earnings.
✔ UPI users – Extra rewards via RuPay card.
❌ Avoid if you prefer flexible redemption options (e.g., cashback, vouchers).
🔄 Alternatives to Consider
| Card | Key Features |
|---|---|
| Axis Atlas | 5x miles on travel, airport lounge access |
| HDFC Regalia Gold | Lounge access, reward points on spends |
| ICICI Amazon Pay | Cashback on online shopping |
❓ FAQs
Q: Can I earn Scapia coins on utility bills?
✅ Yes, but only up to ₹20,000/month (beyond that, no rewards).
Q: How to apply for Scapia Credit Card?
📲 Download the Scapia app and apply online.
Q: Is there a fee for lounge access?
🚫 No, but you must spend ₹10,000/month to unlock unlimited access.
📌 Final Verdict – 3.5/5
⭐ Best for: Travel enthusiasts who book via Scapia app.
⭐ Not ideal for: Those who want cashback or non-travel redemptions.
👉 Apply Now: Scapia Official Website
