Learn about Scapia Credit Card activation process, how to activate, PIN generation, and enabling online, contactless, and international transactions.
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The Scapia Credit Card activation process allows you to start using your card and enable the transaction types you need. A newly issued card is initially enabled for domestic point-of-sale and ATM transactions, while domestic online and contactless transactions and international transactions require separate activation.
You can also generate your four-digit PIN through the available card-management process. Once the card is ready for use, you can manage the transaction settings based on how you plan to use your Scapia Card.
Scapia Credit Card Activation at a Glance
| Requirement | Details |
|---|---|
| Domestic POS transactions | Initially enabled |
| Domestic ATM transactions | Initially enabled |
| Domestic online transactions | Requires activation |
| Domestic contactless transactions | Requires activation |
| International transactions | Requires activation |
| PIN | Four-digit PIN required for applicable transactions |
| Activation method | Card management portal |
These activation settings are based on the current Scapia Credit Card terms.
How to Activate Your Scapia Credit Card
The Scapia Credit Card is issued in a deactivated state and requires customer consent for activation. The card can initially be used for domestic POS and ATM transactions, subject to the applicable activation and PIN requirements.
To get your card ready for use:
- Log in to the card management portal.
- Complete the required card verification.
- Generate your four-digit PIN.
- Enable the transaction types you want to use.
- Complete any required OTP or consent verification.
- Use the card after the relevant transaction controls have been enabled.
The exact screens or options can change, so follow the instructions displayed during the activation process.
How to Generate the Scapia Credit Card PIN
A four-digit PIN is required for applicable card transactions.
You can generate the PIN through the available card-management process. The card terms also state that the PIN can be generated through the customer portal or by contacting the available 24-hour customer service channel.
Choose a PIN that is difficult for others to guess. Never share your PIN, OTP or other security credentials with anyone.
If you have already received your card and need help with the next steps, you can also read our Scapia Credit Card application status guide if you are checking whether your application and card issuance are complete.
How to Enable Online Transactions on Scapia
Domestic online transactions are not part of the initial transaction permissions.
To use your Scapia Credit Card for online purchases, you need to enable domestic online transactions through the card-management portal.
After enabling online transactions, check your transaction controls before making an online payment. You can adjust the available settings based on your usage requirements.
How to Enable Contactless Transactions
Domestic contactless transactions require separate activation.
If you want to use your Scapia Card for contactless payments, log in to the card-management portal and submit the required activation request.
Contactless payments can be convenient for eligible transactions, but you should still understand the applicable transaction limits and security requirements.
How to Enable International Transactions
International transactions also require separate activation.
The Scapia Credit Card terms state that international POS, contactless, online and ATM transactions can be activated through the customer portal.
If you are travelling abroad, enable the required international transaction types before making your first overseas payment.
You can also read our Scapia 0% forex markup guide to understand the card’s international spending benefit.
Why Are Some Transactions Disabled Initially?
The initial transaction settings are designed to limit how a newly issued credit card can be used.
The Scapia Credit Card is initially activated for domestic POS and ATM transactions. Domestic online and contactless transactions, along with international transactions, require separate activation.
This means a declined transaction does not always indicate a problem with the card. The relevant transaction type may simply not be enabled.
What If Your Scapia Card Is Not Working After Activation?
If your card does not work after activation, check the following:
- Whether the card has been activated correctly
- Whether the PIN has been generated
- Whether the required transaction type is enabled
- Whether sufficient credit limit is available
- Whether the merchant accepts the card’s payment network
- Whether the transaction has been declined for another security or verification reason
For online purchases, check that domestic online transactions are enabled.
For overseas payments, check that international transactions are enabled.
If you are having problems after receiving the card, you can also review our Scapia Credit Card benefits and features guide to understand the card’s available usage options.
How to Activate Scapia for International Travel
If you plan to use your Scapia Credit Card abroad, complete the international transaction activation before travelling.
The relevant settings include:
- International POS transactions
- International online transactions
- International contactless transactions
- International ATM transactions
You do not necessarily need to enable every option. Activate only the transaction types you expect to use.
For example, if you plan to pay for hotels and shopping abroad but do not intend to withdraw cash, you may only need the relevant payment options rather than international ATM access.
Remember that international ATM withdrawals can involve separate charges. See our Scapia international ATM usage guide before using the card to withdraw cash overseas.
Does Scapia Credit Card Activation Require OTP?
OTP-based verification or consent can be part of the activation process.
The applicable card terms state that customer consent is required for activating a credit card and that OTP-based consent may be used for activation.
Keep your registered mobile number available during activation so that you can complete any required verification.
Never share an OTP with another person, even if they claim to be helping you activate the card.
What Happens If You Do Not Activate the Card?
New credit cards are subject to activation requirements and applicable regulatory rules.
The card issuer’s fair-practice terms state that if a card remains unactivated for more than 30 days from issuance, OTP-based consent is sought for activation. If the required consent is not received, the card account can be closed without cost within the stated timeframe.
Therefore, if you have received a new Scapia Card and intend to use it, it is better to complete the activation process rather than leave the card inactive.
Scapia Credit Card Activation: Important Points
Keep these points in mind:
- Domestic POS and ATM transactions are initially enabled.
- Domestic online and contactless transactions require activation.
- International POS, online, contactless and ATM transactions require activation.
- A four-digit PIN is required for applicable transactions.
- OTP-based consent may be required during activation.
- Do not share your PIN or OTP with anyone.
- Check your transaction controls if a payment is declined.
- Activate only the transaction types you actually need.
Scapia Credit Card Activation FAQs
How do I activate my Scapia Credit Card?
Log in to the card-management portal, complete the required verification and consent process, generate your PIN and enable the transaction types you want to use.
Is Scapia Credit Card activated automatically?
The card is initially enabled for domestic POS and ATM transactions. Other transaction types, including domestic online and contactless transactions and international transactions, require separate activation.
How do I generate my Scapia Credit Card PIN?
You can generate your four-digit PIN through the available card-management process. The card terms also provide for PIN generation through the customer portal or the available customer service channel.
How do I enable online transactions on Scapia?
Domestic online transactions can be enabled through the card-management portal by changing the relevant transaction settings.
How do I enable international transactions on Scapia?
Log in to the card-management portal and submit the required request to activate international POS, online, contactless or ATM transactions.
Can I use Scapia for international transactions immediately?
International transactions require separate activation. Enable the relevant international transaction types before attempting to use the card abroad.
What should I do if my Scapia Card is not working?
First check whether the card is activated, the PIN has been generated and the transaction type you are trying to use is enabled. Also check your available credit limit and whether the merchant accepts the card.
Is OTP required for Scapia Card activation?
OTP-based consent may be required as part of the activation process.
Can I activate only international online transactions?
The card-management system allows different transaction types to be activated. Enable the options you need rather than automatically activating every available transaction type.
Final Takeaway
The Scapia Credit Card activation process involves completing the required consent and verification, generating your PIN and enabling the transaction types you want to use.
Domestic POS and ATM transactions are initially enabled, while domestic online and contactless transactions and international transaction types require separate activation.
If you plan to use your Scapia Card abroad, activate the relevant international transaction settings before travelling. For security, enable only the transaction types you need and never share your PIN or OTP.