The verdict
Scapia international travel aur foreign websites par spend karne walo ke liye no-brainer card hai. Zero annual fee me aap straight 3.5% + GST forex fee save karte ho plus 2% travel coins bhi earn karte ho. Bas lounge access ke liye 2026 me ₹20k monthly spend zaroori ho gaya hai.
Agar aap foreign trips ya online international purchases par ₹2,00,000 spend karte hain, toh regular card ke 3.5% forex charge ke comparison me ₹8,260 direct bachte hain aur ₹4,000 worth ke 20,000 Scapia Coins milte hain. Zero fee card par net benefit ₹12,260 banta hai.
Agar aap bina kisi ₹20k spend requirement ke free airport lounge chahte hain, ya travel coins ke bajaye direct bank statement credit prefer karte hain, toh AU Ixigo ya SBI Cashback better fit honge.
✓What works
- +True Zero Forex Markup: Overseas POS, online subscriptions aur travel par straight 0% extra fee.
- +Lifetime Free: Lifetime ke liye zero joining fee aur zero annual fee.
- +Federal Bank, BOBCARD aur Axis Bank partnership ke chalte higher approval chances aur Mastercard/RuPay dual network flexibility.
- +Regular retail spends par 10% Scapia Coins (2% value) aur app travel bookings par 20% Coins (4% value).
- +RuPay variant par UPI QR scan-and-pay payments enabled.
✕What doesn't
- −Airport lounge access ke liye previous statement me ₹20,000 spend karna mandatory hai.
- −Coins sirf Scapia app ke andar flights aur hotels ke liye redeem hote hain (no cash or miles transfer).
- −Utilities, fuel, rent aur govt payments par koi coins nahi milte.
What it earns
Eligible retail spends par 10% Scapia Coins (5 Coins = ₹1; 2% yield). Scapia app me flights aur hotel bookings par 20% Scapia Coins (4% yield).
| Category | Reward Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Scapia App Flight & Hotel Bookings | 20% Coins (4.0% Value) | Uncapped | 20,000 Scapia Coins (₹4,000) |
| General Retail & International Spends | 10% Coins (2.0% Value) | Uncapped | 10,000 Scapia Coins (₹2,000) |
| Fuel, Utilities & Rent | 0% (Excluded) | N/A | 0 Coins |
Accelerated earn
This card does not offer merchant portal or accelerated multiplier rates.
Redemption options
Reward points value varies significantly depending on the redemption channel you choose.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Flights & Hotels in Scapia AppBEST VALUE | ₹0.20 per Coin (5 Coins = ₹1) | 250 Coins (₹50) | None | Nil |
| Statement Cash Credit | Not Supported | N/A | None | Nil |
| Airline Frequent Flyer Miles | Not Supported | N/A | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +International transactions par true 0% forex markup.
- +₹20,000 monthly spend par unlimited domestic airport lounge access.
- +Local shops par UPI scan-and-pay ke liye RuPay linking.
- +Fast digital in-app card control aur instant notifications.
✕Excluded Spends & Fee Traps
- −Fuel, utility bill payments aur rent transactions par koi coins nahi milte.
- −Wallet loads, cash withdrawal aur EMI conversion par points excluded.
- −International lounges included nahi hain.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Renewal Fee | ₹0 (Lifetime Free) |
| Forex Markup Fee | 0.0% (Zero Markup) |
| Interest Rate (APR) | 41.88% per annum (3.49% per month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 to 65 years |
| Minimum Income | ₹3,60,000 per annum |
| CIBIL Score | 730+ CIBIL score |
| Partner Bank | Federal Bank ya BOBCARD (App me allocate hota hai) |
Policy Changes & Devaluation History
1 RecordLounge Spend Threshold Doubled to ₹20,000/Month
Monthly spend needed for complimentary lounge access doubled from ₹10,000–₹15,000 to ₹20,000. Utility and insurance spends removed from reward calculation.
Frequently Asked Questions
Kya Scapia Credit Card par airport lounge access milta hai?
Scapia Credit Card ke MITC charges, annual fee aur interest rate kya hain?
Scapia Credit Card par reward rate aur points ki real rupee value kya hai?
Scapia Credit Card par kin spends par rewards nahi milte aur fuel terms kya hain?
2026 mein Scapia Credit Card kin users ke liye best suited hai?
Editorial Deep-Dive Analysis
Comprehensive Overview: Scapia Credit Card
Scapia Credit Card ek premier co-branded travel credit card hai jo Federal Bank, BOBCARD, aur Axis Bank ke collaboration me issue kiya jata hai. Frequent flyers aur international shoppers ke liye designed yeh card true 0% forex markup ke sath ₹0 joining fee aur ₹0 annual fee ke lifetime-free framework par operate karta hai. Cardholders travel rewards Scapia Coins ke format me earn karte hain, jinhe Scapia app ke through flights aur hotels par Visa, RuPay aur Mastercard networks ke zariye redeem kiya ja sakta hai.
Key Privileges aur Practical Everyday Benefits
- Zero Foreign Currency Markup: International retail, dining aur online websites par spend karne par true 0% forex markup milta hai, jo standard 3.5% plus GST fee poori tarah bachaata hai.
- Accelerated In-App Travel Rewards: Scapia travel portal ke zariye direct flights aur hotels book karne par 20% Scapia Coins (4% effective return) milte hain.
- General Retail Spends: Daily domestic retail aur overseas POS ya online shopping par 10% Scapia Coins (2% effective return) accrue hote hain.
- Transparent Coin Redemption: 5 Scapia Coins barabar ₹1 (₹0.20 per coin) hain, jisse bina kisi blackout date ke flights aur hotel stays par direct instant redemption milti hai.
- Domestic Airport Lounge Access: Preceding statement billing cycle me minimum ₹20,000 spend complete karne par unlimited domestic airport lounge access milta hai.
- RuPay UPI Integration: RuPay variant par card ko direct UPI apps se connect karke local merchant QR codes par scan-and-pay transactions kiye ja sakte hain.
Zaroori Terms aur Spend Conditions jo Dhyaan Mein Rakhein
- Lounge Spend Hurdle: Complimentary airport lounge visits unlock karne ke liye previous billing statement me minimum ₹20,000 spend karna mandatory hai.
- App-Exclusive Redemptions: Scapia Coins sirf Scapia app me flights aur hotels ke liye redeem hote hain; direct statement cash credit ya airline miles transfer 0 cash payout ke sath supported nahi hai.
- Category Exclusions: Fuel, utility bill payments, rent, wallet load, ATM cash withdrawal aur EMI transactions par 0% coins milte hain.
- Finance Charges: Outstanding revolving balances par 3.49% per month (41.88% per annum) interest charges apply hote hain.
Yeh Card Kiske Liye Best Hai
Scapia Credit Card frequent international travelers, foreign websites se shopping karne walo aur overseas students ke liye perfect hai jo forex charges eliminate karke 2% se 4% travel returns chahte hain. International spending par ₹2,00,000 spend karne se ₹8,260 forex markup bachta hai aur 20,000 Scapia Coins (worth ₹4,000) milte hain, jisse total ₹12,260 ka net financial advantage banta hai ₹0 annual fee par. Bina ₹20,000 monthly spend ke lounges ya direct statement cashback chahein toh SBI Cashback ya AU Ixigo consider karein.
- 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
Independent Editorial & Legal Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra ek independent credit card discovery platform hai. CredSutra koi Bank, NBFC ya Direct Selling Agent (DSA) nahi hai.