{
  "id": "scapia-credit-card",
  "locale": "en",
  "name": "Scapia Credit Card",
  "bank": "Federal Bank / BOBCARD / Axis Bank",
  "cardType": "travel",
  "cardTier": "entry",
  "annualFee": "₹0 joining and annual fee in current issuer terms",
  "loungeAccess": "Unlimited Domestic Airport Lounge access on ₹20k monthly spend",
  "rewardsRate": "10% Scapia Coins (2% return) on retail · 20% Coins (4% return) on app travel bookings",
  "bestFor": "Zero forex international spending, flight & hotel rewards, and lifetime-free travel convenience",
  "officialLink": "https://www.scapia.cards",
  "aiVerdict": {
    "score": 9,
    "summary": "Its lifetime-free pricing plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 0.75
  },
  "affiliateId": "scapia-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": "2026-10-13T18:32:00Z",
    "unresolvedItems": [
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Essential costs and benefit conditions need accepted evidence; no complete savings estimate is available"
    }
  },
  "sources": [
    "Scapia & Federal Bank Official Co-Branded Card Agreement & Schedule of Benefits",
    "Scapia & BOBCARD Co-Branded Program Policy & 2026 Lounge Spend Schedule",
    "Scapia & Axis Bank Co-Branded Program Launch & Network Terms (03 Sep 2026)",
    "https://www.federal.bank.in/documents/d/guest/mitc_v11-30_04_26",
    "https://media.bobcard.co.in/media/wldj0y5t/bobcard-scapia-mitc-1.pdf",
    "https://www.axis.bank.in/cards/credit-card/scapia-axis-bank-credit-card"
  ],
  "feeWaiver": "No annual fee in current issuer terms; waiver not applicable",
  "networks": [
    "Visa",
    "RuPay",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Joining / Annual Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "key": "Forex Markup",
      "value": "0.0% (Zero Forex)"
    },
    {
      "key": "Retail Earn Rate",
      "value": "10% Coins (2% value)"
    },
    {
      "key": "App Travel Earn",
      "value": "20% Coins (4% value)"
    },
    {
      "key": "Domestic Lounge",
      "value": "Unlimited (₹20k spend)"
    },
    {
      "key": "Coin Redemption",
      "value": "5 Coins = ₹1 (Travel)"
    }
  ],
  "earnRates": [
    {
      "category": "Scapia App Flight & Hotel Bookings",
      "rate": "20% Coins (4.0% Value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "20,000 Scapia Coins (₹4,000)"
    },
    {
      "category": "General Retail & International POS/Online",
      "rate": "10% Coins (2.0% Value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 Scapia Coins (₹2,000)"
    },
    {
      "category": "Fuel, Utilities & Rent",
      "rate": "0% (Excluded MCCs)",
      "monthlyCap": "N/A",
      "perLakhSpent": "0 Coins"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [
    {
      "channel": "Scapia In-App Travel Portal",
      "multiplier": "2X",
      "rate": "20% Scapia Coins on flights and accommodation",
      "monthlyCap": "Uncapped",
      "note": "Directly redeemable against any flight or hotel booking with no blackout dates"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flights & Hotel Bookings in Scapia App",
      "value": "₹0.20 per Scapia Coin (5 Coins = ₹1)",
      "minPoints": "250 Coins (₹50)",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "Not Supported",
      "minPoints": "N/A"
    },
    {
      "route": "Airline Frequent Flyer Transfer",
      "value": "Not Supported",
      "minPoints": "N/A"
    }
  ],
  "exclusions": [
    "Fuel transactions, utility bill payments, and rent payments do not earn coins.",
    "Wallet top-ups, cash withdrawals, and EMI transactions excluded.",
    "No international airport lounge access included."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free)"
    },
    {
      "item": "Forex Markup Fee",
      "value": "0.0% (Zero Markup)"
    },
    {
      "item": "Interest Rate (APR)",
      "value": "41.88% per annum (3.49% per month)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Income",
      "requirement": "₹3,60,000 per annum"
    },
    {
      "criteria": "Credit Profile",
      "requirement": "Existing credit history or prime bureau score (CIBIL 730+)"
    },
    {
      "criteria": "Issuing Partners",
      "requirement": "Allocated between Federal Bank or BOBCARD during in-app KYC"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}