Scapia Federal Credit Card
India’s best free travel credit card for young professionals
Network: Rupay, Visa | Type: Cashback, Travel, and No Annual Fee | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹0
- Annual Fee: ₹0
- Waiver: Not applicable (always free)
- Foreign Markup: 0% + GST
- Fuel Surcharge: 1% waiver on select transactions (T&C apply)
- Redemption Fee: ₹0
- Late Payment Fee: Up to ₹1,000 (based on balance amount)
- Interest Rate: 3.75% per month (45% p.a.)
- Cash Advance: 2.5% or ₹500 (minimum)
Credofly Review
Scapia is disrupting the market with its simple, rewarding structure. 4% on travel is huge, and 2% flat on everything else is better than most bank cards. The in-app redemption, instant KYC, 0% forex, and no joining/annual fee make it a must-have. While it lacks vouchers or partner-specific offers, its focus is razor sharp — travel, cashback, and Gen Z convenience.
Rewards & Earnings
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4% Scapia Coins on flights & hotels booked via Scapia app
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2% Coins on all eligible other spends
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0% coins on excluded categories (fuel, rent, wallet, etc.)
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1 Scapia Coin = ₹1, redeemable inside Scapia app
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Redeem Scapia Coins inside Scapia app for:
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Flights
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Hotels
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Travel offers
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1 Coin = ₹1 fixed value
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No conversion to vouchers or cash yet
Benefits
- Welcome:
No separate welcome bonus — the real benefit is instant approval, virtual card activation, and lifetime free status.
- Milestone:
None. Rewards are flat-rate on travel and other spends with no milestones.
- Renewal:
None needed – card is lifetime free with no annual fee
- Lifestyle:
lounge domestic, lounge international
Why We Like It
It’s free, smart, and rewarding. Scapia is the only lifetime free card offering 4% on travel and 2% on all other eligible spends — with 0% forex and lounge access. A perfect beginner or travel-focused card.
Pros & Cons
✅ Pros
4% on travel, 2% on daily spends
0% forex markup on international purchases
No joining or annual fee – ever
❌ Cons
Redemption locked to Scapia app
No physical reward catalog, cashback, or vouchers
Excludes rent, fuel, insurance, wallet loads from rewards
Eligibility & Application
Eligibility:
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Must be 18+ years old
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PAN card + Aadhaar with mobile linked
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Indian resident
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Good credit score helps but not mandatory
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KYC done instantly in-app
How to Apply:
Instant approval in just 2–5 minutes:
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Download Scapia App
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Complete KYC & PAN verification
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Get instant approval + virtual card
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Physical card delivered in 4–6 days
FAQs
How much cashback does Scapia Credit Card offer?
You earn 4% Scapia Coins on travel bookings and 2% on most other spends.
What is the value of 1 Scapia Coin?
1 Scapia Coin = ₹1, redeemable inside the app for travel bookings.
Are there any joining or annual charges?
No. The card is lifetime free, with no joining or annual fee.
Does Scapia work internationally?
Yes. You can use it globally with 0% forex markup — a rare feature.
Can I redeem Scapia Coins for cash or vouchers?
No. They can only be used for booking flights/hotels via Scapia app.
Does the card offer lounge access?
Yes. You get 4 complimentary domestic lounge visits per year.
Is it easy to get this card?
Yes. Just complete eKYC on the app and get instant approval with a virtual card.
Is Scapia safe and backed by a bank?
Yes. It’s issued in partnership with Federal Bank and runs on Visa Signature network.
User Reviews
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