Learn how Scapia Credit Card rewards work, how you earn Scapia Coins, their value, eligible spends, and how to redeem them for travel.
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Scapia Credit Card rewards let cardholders earn Scapia Coins on eligible transactions. These Coins can then be used towards eligible travel bookings through Scapia.
The reward rate depends on the card network and transaction type. Eligible Visa spends can earn 10% rewards, while eligible RuPay spends can earn 5%. Eligible travel bookings made through Scapia can earn 20% rewards.
This guide explains how Scapia Credit Card rewards work, how you can earn Scapia Coins, where you can use them, and the important conditions to remember.
Scapia Credit Card Rewards – Quick Answer
Scapia Credit Card rewards are provided as Scapia Coins on eligible transactions.
| Spending type | Reward rate |
|---|---|
| Eligible Visa spends | 10% |
| Eligible RuPay spends | 5% |
| Eligible travel bookings through Scapia | 20% |
The applicable minimum transaction values and reward conditions can vary by transaction type. Therefore, not every card transaction will necessarily earn Scapia Coins.
If you are comparing the overall benefits of the card, read our guide to Scapia Credit Card benefits.
How Do Scapia Credit Card Rewards Work?
When you make an eligible transaction with your Scapia Credit Card, you can earn rewards based on the applicable reward rate.
The rate depends on the card network and type of transaction. Eligible Visa transactions currently earn 10% rewards, while eligible RuPay transactions can earn 5% rewards.
Travel bookings made through Scapia can qualify for a higher 20% reward rate on eligible bookings. This makes the rewards structure particularly relevant for cardholders who regularly use Scapia for travel.
How Many Scapia Coins Can You Earn?
The number of Scapia Coins you earn depends on your eligible spending.
For example, if an eligible transaction qualifies for a 10% reward rate, a ₹1,000 transaction would generate rewards equivalent to ₹100. The corresponding rewards are provided as Scapia Coins under the applicable reward terms.
Similarly, an eligible ₹5,000 transaction at a 5% reward rate would generate rewards equivalent to ₹250.
The actual reward credited can depend on transaction eligibility, applicable minimums and exclusions. Check the current terms before calculating rewards for a specific spending category.
Scapia Credit Card Reward Rates
10% Rewards on Eligible Visa Spends
Eligible Visa transactions can earn 10% rewards. A minimum transaction value applies to this reward category.
For example, a ₹2,000 eligible transaction at a 10% reward rate would generate rewards equivalent to ₹200.
However, the transaction must meet the applicable eligibility conditions. Certain categories and transaction types may not qualify for rewards.
5% Rewards on Eligible RuPay Spends
Eligible RuPay transactions can earn 5% rewards, subject to the applicable minimum transaction value and other conditions.
This can also be relevant for eligible UPI payments made using the RuPay version of the Scapia Credit Card.
You can learn more about this feature in our Scapia Credit Card UPI guide.
20% Rewards on Eligible Travel Bookings
Eligible travel bookings made through Scapia can earn 20% rewards. This can include travel services available through the Scapia platform, subject to the applicable terms.
For frequent travellers, this higher reward rate can make travel bookings an important part of the Scapia rewards structure.
Which Transactions Earn Scapia Rewards?
Rewards are available on eligible transactions rather than automatically on every payment made using the card.
The applicable reward rate depends on factors such as:
- Card network
- Transaction type
- Transaction value
- Merchant category
- Applicable reward exclusions
- Current reward programme terms
This means you should not calculate rewards simply by applying the advertised percentage to your total monthly card spending.
For example, a monthly statement may include both reward-eligible purchases and transactions that do not qualify.
Which Transactions May Not Earn Rewards?
Some transaction categories may be excluded from the rewards programme.
The applicable card terms should be checked for the latest exclusions before making a transaction specifically to earn rewards.
The available card terms also state that fuel transactions do not earn reward points.
Other exclusions can apply depending on the transaction category and current reward terms. This is why the reward rate should not be treated as a guaranteed return on every card payment.
Can You Earn Rewards on International Spending?
The Scapia Credit Card offers zero forex markup on eligible international transactions. However, zero forex markup and reward eligibility are separate benefits.
International transactions should therefore not automatically be assumed to qualify for Scapia Coins. Check the applicable reward terms for the latest eligibility before calculating expected rewards.
For more information about international spending, read our Scapia Credit Card forex guide.
How Can You Redeem Scapia Coins?
Scapia Coins are designed to be used towards eligible travel bookings and services available through Scapia.
Depending on the available redemption options, Coins can be used towards travel-related bookings such as:
- Flights
- Hotels and stays
- Buses
- Trains
- Visas
- Other eligible travel services
The available redemption options and applicable conditions can change, so check the current terms when you are ready to redeem your Coins.
Do Scapia Coins Have a Cash Value?
Scapia Coins are intended for redemption through eligible Scapia services rather than as direct cash withdrawals.
The value you receive from your Coins therefore depends on how you use them and the applicable redemption terms.
This is an important difference between travel-focused rewards and cashback. You should consider how often you use eligible Scapia travel services before assigning a value to the rewards you earn.
When Are Scapia Rewards Credited?
Rewards are subject to the applicable billing and rewards process. They may not become available for redemption immediately after every transaction.
If a transaction is reversed, refunded or otherwise adjusted, the corresponding rewards may also be affected under the applicable terms.
For this reason, your final reward balance may differ from an estimate based only on your monthly spending.
Important Things to Know About Scapia Rewards
Before using the Scapia Credit Card mainly for rewards, keep these points in mind:
- Reward rates differ between Visa and RuPay transactions.
- Minimum transaction requirements can apply.
- Not every transaction earns rewards.
- Some spending categories are excluded.
- Fuel transactions do not earn reward points under the available card terms.
- Travel bookings can have a higher reward rate when booked through Scapia.
- Reward eligibility can depend on how a transaction is classified.
- Reward terms can change, so current conditions should be checked before making large transactions.
If you are evaluating the card based on its overall costs, also read our Scapia Credit Card fees and charges guide.
Pros and Limitations of Scapia Rewards
Pros
- Eligible Visa spending can earn 10% rewards.
- Eligible RuPay spending can earn 5% rewards.
- Eligible travel bookings through Scapia can earn 20% rewards.
- Rewards are provided as Scapia Coins.
- Coins can be used towards eligible travel bookings.
- The rewards structure can suit frequent Scapia travellers.
Limitations
- Rewards are not available on every transaction.
- Minimum transaction conditions can apply.
- Some spending categories are excluded.
- Reward eligibility depends on the applicable terms.
- Rewards are primarily useful when redeemed through eligible Scapia services.
Who Should Consider Scapia Credit Card Rewards?
Scapia Credit Card rewards can be useful for people who regularly spend on eligible purchases and travel.
The rewards structure may be particularly attractive to frequent travellers who book flights, hotels and other eligible services through Scapia. Such users can potentially benefit from both everyday eligible spending and the higher reward rate on eligible travel bookings.
However, people whose spending is concentrated in excluded categories may receive less value from the rewards programme.
FAQs
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What are Scapia Coins?
Scapia Coins are the reward currency associated with eligible Scapia Credit Card spending. They can be used towards eligible travel services through Scapia.
-
What is the Scapia Credit Card reward rate?
The current reward structure provides 10% rewards on eligible Visa spends, 5% on eligible RuPay spends and 20% on eligible travel bookings through Scapia.
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Does every Scapia Credit Card transaction earn rewards?
No. Rewards apply only to eligible transactions. Certain transaction categories and conditions can exclude a payment from earning rewards.
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Does the Scapia Credit Card earn rewards on UPI payments?
Eligible RuPay transactions can earn 5% rewards, subject to the applicable conditions. This can include eligible UPI transactions made using the RuPay card.
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Can Scapia Coins be used for travel?
Yes. Scapia Coins can be used towards eligible travel bookings and services available through Scapia, subject to the applicable redemption terms.
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Do fuel transactions earn Scapia rewards?
No. The available card terms state that fuel transactions do not earn reward points.
-
Are international transactions eligible for rewards?
Reward eligibility for international transactions depends on the applicable reward terms. Zero forex markup should not be treated as an automatic reward benefit.
Final Takeaway
Scapia Credit Card rewards are built around a travel-focused rewards system. Eligible Visa spends can earn 10%, eligible RuPay spends can earn 5%, and eligible travel bookings through Scapia can earn 20%.
The main benefit is the ability to use Scapia Coins towards eligible travel services. However, minimum transaction requirements, exclusions and other reward conditions mean that you should check the applicable terms before estimating your returns.
If rewards are an important reason for considering the card, compare them with the card’s other benefits and costs. You can also read our Scapia Credit Card review for a broader evaluation.