Read our Scapia Credit Card review covering rewards, fees, forex, lounge access, eligibility, benefits, limitations and who the card suits.
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Zero Forex Markup on international spends, unlimited domestic lounge access, and Lifetime Free guarantee.
The Scapia Credit Card is a travel-focused card with zero joining and annual fees. Its main features include rewards on eligible spending, zero forex markup and domestic airport benefits.
The card can be useful for frequent travellers who want travel-focused rewards without paying a joining or annual fee. However, reward eligibility, spending conditions and other terms should be considered before deciding whether it suits your spending habits.
This Scapia Credit Card review covers the key benefits, rewards, fees, forex usage, lounge access, eligibility, limitations and who may find the card suitable.
Scapia Credit Card Review – Quick Verdict
The Scapia Credit Card can be worth considering if you frequently travel and can make use of its travel-focused benefits.
Its key advantages include:
- Zero joining fee
- Zero annual fee
- Rewards on eligible spending
- Higher rewards on eligible travel bookings through Scapia
- Zero forex markup
- Domestic airport lounge benefits subject to the applicable spending condition
- RuPay variant with eligible UPI rewards
The card may be less suitable if most of your spending falls into excluded reward categories or if you rarely use travel-related benefits.
Scapia Credit Card Key Features
| Feature | Details |
|---|---|
| Joining fee | Nil |
| Annual fee | Nil |
| Forex markup | 0% |
| Visa rewards | 10% on eligible spends |
| RuPay rewards | 5% on eligible spends |
| Travel rewards | Up to 20% on eligible travel bookings |
| Domestic lounge access | Available after the applicable spending condition |
| Reward currency | Scapia Coins |
The exact benefits and conditions can vary by transaction type and applicable terms. Current card information confirms zero joining and annual fees and highlights travel-focused benefits.
Scapia Credit Card Benefits
The main appeal of the Scapia Credit Card is its combination of travel benefits and rewards.
Eligible spending can earn Scapia Coins, while eligible travel bookings through Scapia can offer a higher reward rate. The card also provides zero forex markup, which can be useful when making eligible international transactions.
For a detailed breakdown, read our Scapia Credit Card benefits guide.
Zero Joining and Annual Fee
The Scapia Credit Card currently has no joining fee and no annual fee.
This can make the card easier to consider for users who want travel benefits without committing to a recurring card membership fee.
However, zero annual fee does not mean every card-related service is free. Other charges can apply depending on the transaction or service used.
You can read our Scapia Credit Card fees and charges guide for more details.
Zero Forex Markup
The card offers zero forex markup on eligible foreign currency transactions.
This can be useful for travellers because foreign currency transactions can otherwise involve an additional markup from the card.
Zero forex markup should not, however, be confused with zero charges on every type of international transaction. Cash withdrawals, for example, have separate charges and interest conditions.
Our Scapia Credit Card forex guide explains this benefit in more detail.
Scapia Credit Card Rewards
Rewards are one of the key features of the Scapia Credit Card.
The current reward structure includes:
- 10% rewards on eligible Visa spends
- 5% rewards on eligible RuPay spends
- 20% rewards on eligible travel bookings through Scapia
The applicable minimum transaction values and exclusions depend on the reward category.
Scapia Coins can be used towards eligible travel services through Scapia. This makes the reward structure more relevant to cardholders who regularly travel.
Read our detailed Scapia Credit Card rewards guide to understand the reward structure and exclusions.
Scapia Credit Card Lounge Access
The Scapia Credit Card offers domestic airport lounge access subject to the applicable spending condition.
The current benefit requires ₹20,000 of spending in the preceding month for unlimited domestic lounge access. Airport privileges can also include benefits of up to ₹1,000, subject to the applicable conditions.
This means lounge access should not be considered completely unconditional. Cardholders need to meet the stated spending requirement.
For the complete details, see our Scapia Credit Card lounge access guide.
Scapia Credit Card Fees and Charges
Although the card has zero joining and annual fees, other charges can apply.
For example, the available card terms include charges for certain services and transactions such as:
- Cash withdrawals
- Card replacement
- Late payments
- Overlimit usage
- Certain transaction categories
- EMI-related services
The applicable amount depends on the transaction and current terms.
This distinction is important when evaluating a credit card. A zero annual fee does not mean there are no possible charges.
Scapia ATM Withdrawal Charges
Cash withdrawals are different from regular card purchases.
The available card terms state that cash withdrawals attract a 2.5% fee or ₹500, whichever is higher, plus applicable GST. Cash withdrawals also attract interest at 45% per annum or 3.75% per month, starting from the withdrawal date.
There is no interest-free period for cash withdrawals.
The cash withdrawal limit is 10% of the credit limit.
If you need cash from an ATM, read our Scapia ATM withdrawal charges guide before making the withdrawal.
Scapia Credit Card Eligibility
Current application information states that applicants should be Indian residents between 25 and 60 years of age and can be salaried or self-employed.
A PAN is mandatory, while Aadhaar-based digital verification is used for address verification.
There is currently no publicly stated minimum income figure that should be treated as a guaranteed eligibility requirement.
Eligibility does not guarantee approval because the final decision can depend on the applicable assessment.
Read our Scapia Credit Card eligibility guide for the detailed requirements.
Scapia Credit Card Application
The application process is digital, allowing applicants to begin the process online.
After submitting the required information and completing verification, the application is assessed according to the applicable criteria.
Applicants should keep their PAN and Aadhaar-linked details available for the verification process.
If you have already applied and want to check your application, see our Scapia Credit Card status guide.
Scapia Credit Card UPI
The RuPay version of the Scapia Credit Card can be used for eligible UPI transactions.
Eligible RuPay spending can earn 5% rewards, subject to the applicable minimum transaction value and reward conditions.
This can be useful for users who make frequent UPI payments and want to combine eligible UPI spending with their credit card rewards.
However, reward eligibility depends on the transaction category and applicable terms.
Scapia Credit Card Bill Payment
Scapia Credit Card bills can be paid using the available payment methods, including debit card, net banking and UPI.
Your billing statement is available through email and the Scapia app.
The available card terms provide an interest-free period of up to 50 days for eligible retail purchases, subject to the applicable conditions. Paying previous dues in full is important for maintaining the interest-free benefit.
You can learn more in our Scapia Credit Card bill payment guide.
Scapia Credit Card Limit
Your Scapia Credit Card limit is assigned to your individual card account.
The available card terms do not specify one universal credit limit for all cardholders. They also do not provide a guaranteed amount, fixed approval timeline or universal formula for a credit-limit increase.
The cash withdrawal limit is separately set at 10% of the credit limit.
If you want to understand credit-limit increases, read our Scapia Credit Limit Increase guide.
Scapia Credit Card Pros and Cons
Pros
- No joining fee
- No annual fee
- Zero forex markup
- Strong rewards on eligible transactions
- Higher rewards on eligible travel bookings
- Travel-focused redemption through Scapia
- Domestic lounge access after meeting the applicable spending requirement
- RuPay option with eligible UPI rewards
Cons
- Rewards are subject to transaction eligibility and exclusions
- Lounge access requires meeting the applicable spending condition
- Cash withdrawals can be expensive
- Rewards are most useful for users who can redeem them for eligible travel
- Other charges can apply despite the zero annual fee
Who Is the Scapia Credit Card Best For?
The Scapia Credit Card may suit frequent travellers who want a travel-focused rewards structure without paying an annual fee.
It can be particularly relevant if you regularly book travel through Scapia and make eligible card transactions. Users who frequently spend internationally may also value the zero forex markup.
The card may offer less value to people who rarely travel or whose spending is concentrated in categories that do not qualify for rewards.
Who May Not Find It Suitable?
The card may not be ideal if you primarily want:
- Cashback that can be used without restrictions
- Rewards across every type of transaction
- A card designed mainly for cash withdrawals
- Lounge access without meeting spending conditions
- Rewards that are unrelated to travel
Your spending pattern matters more than the headline reward rate when deciding whether a card is suitable.
Is the Scapia Credit Card Worth It?
The Scapia Credit Card can be a strong option for the right type of user.
Its combination of zero annual fee, zero forex markup, travel rewards and airport benefits makes it particularly relevant to frequent travellers. The higher reward rate on eligible travel bookings can further improve its value for users who regularly book through Scapia.
However, it is important to look beyond the headline benefits. Reward exclusions, lounge spending requirements and cash withdrawal charges can affect the overall value.
For someone who does not travel regularly, some of these benefits may have limited practical value.
FAQs
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Is the Scapia Credit Card free?
The card currently has zero joining and annual fees. However, other transaction-specific fees and charges can apply.
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Does Scapia Credit Card have zero forex markup?
Yes. The card offers zero forex markup on eligible foreign currency transactions.
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What are the Scapia Credit Card rewards?
The current reward structure includes 10% rewards on eligible Visa spends, 5% on eligible RuPay spends and 20% on eligible travel bookings through Scapia.
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Does the Scapia Credit Card offer lounge access?
Yes. Domestic lounge access is available after meeting the applicable ₹20,000 preceding-month spending condition.
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Does Scapia Credit Card support UPI?
The RuPay version supports eligible UPI transactions and can earn rewards subject to the applicable conditions.
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What is the Scapia Credit Card cash withdrawal charge?
The available card terms state a cash advance fee of 2.5% of the withdrawal amount or ₹500, whichever is higher, plus applicable GST.
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What is the interest rate on cash withdrawals?
Cash withdrawals attract interest at 45% per annum or 3.75% per month. Interest starts from the withdrawal date.
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Who should consider the Scapia Credit Card?
It can suit frequent travellers who can use the travel rewards, zero forex markup and airport benefits. The card may be less suitable for users who rarely travel or mainly spend in excluded categories.
Final Verdict
The Scapia Credit Card is primarily suited to users who can make meaningful use of travel-focused benefits.
Its zero joining and annual fee, zero forex markup, eligible spending rewards, travel rewards and domestic airport benefits create a useful combination for frequent travellers. However, the card is not equally valuable for everyone.
Before applying, compare the benefits with your actual spending habits and check the applicable fees, reward exclusions and lounge conditions.