Scapia: A card for travellers

Scapia

About this app

The Best Credit Card for Travellers With Zero Joining Fees
Scapia is built for travellers and designed for everyday life. Use it for daily spends and turn regular expenses into meaningful travel experiences over time.
Earn rewards on daily spends, enjoy zero forex markup, unlock airport privileges, and access a complete travel ecosystem - all in one seamless app.
Key Features
Turn Everyday Spending Into Travel Rewards
Earn 10% rewards on online and offline spends and 5% on UPI spends. There’s no cap on how much you can earn per month or per transaction.
(5 Scapia Coins = ₹1)
Redeem coins directly on the app for:
Flights • Hotels • Trains • Buses • Visas • Experiences • Trips • Shopping
No complicated conversions. No hidden conditions.
Zero Forex Markup
Spend internationally without hidden charges.
With 0% forex markup, you save more on every global transaction — whether travelling abroad or shopping online.
Airport Benefits Beyond Lounges
Enjoy flexibility at airports with benefits across dining, shopping, spa, and lounges.
Up to ₹1,000 in rewards + lounge access at domestic airports (on ₹20,000 monthly spend)
Up to ₹2,000 back at international terminals in India on eligible flight bookings worth ₹50,000 or more via the app
One App for Your Entire Travel Journey
Plan, book, and manage everything in one place.
Flights • Hotels • Trains • Buses • Visas • Experiences • Holidays
Earn Rewards on UPI
With Scapia Pay, earn 5% rewards on everyday UPI spends using Scapia RuPay credit cards.
Add-on Cards for Family
Extend benefits to your family with add-on cards - including zero forex markup, rewards, and full ecosystem access.
Zero Joining Fee & Zero Annual Fee
No hidden costs. No spending pressure. Just a card designed for your lifestyle.
Why Choose Scapia
Simple, Transparent Rewards
Scapia Coins are easy to gather, track, and redeem - no confusing systems or restrictions.
Travel Funded by Everyday Spending
Your regular expenses groceries, bills, shopping, UPI - help build your next trip.
Built for Modern Travellers
Whether it’s a quick getaway or an international vacation, Scapia fits how you travel today.
All-in-One Travel Ecosystem
Book and manage every part of your trip directly in the app.
Who Is It For?
Everyday spenders: Earn rewards on daily spends and UPI
Frequent travellers: Save on forex and maximize rewards
Occasional travellers: Build travel rewards over time
International travellers: Avoid forex fees and travel with family
Trusted & Secure
Issued by Federal Bank and BOBCARD
Fully digital onboarding
Transparent rewards, no hidden fees
Trusted by a growing user base
Start Your Journey With Scapia
Apply for the Scapia co-branded credit card and unlock a smarter way to spend and travel.
Earn rewards on everyday transactions, save on international spends, and unlock real travel benefits - all with one powerful card.

Ratings and reviews

It's the best credit card I found, no annual or subscription charges, no forex markup.. excellent for foreign spends. I just loved it. Not giving the final star because I think the limit should have been higher, for other credit cards I usually have almost an 4x-5x limit ( although they are not specifically forex cards). so if there's an option provided where the credit limit can be evaluated again or increased it will be very helpful

It’s the best credit card I’ve come across, with no annual or subscription fees and no forex markup.It works really well for foreign and domestic spending, and I genuinely like it. The options to use the coins at the store for travel bookings is also great . Not giving it the full rating only because the credit limit could have been higher.For my other credit cards, I usually get a limit that is almost 4x–5x more. An option to review or increase the credit limit would make it even better.

Hi, while applying this card I was excited that it gives good rewards and free shopping of 1000 rs at the airport. But later while checking to redeem the points , i realized all the options are pathetic . so really concerned and feel cheated when limited options I find while redeeming points and that too pricing of the products are too high. I won't recommend it to anyone unless redemption also gets better

What’s new

From searching stays to scanning a QR code, we've been improving every step. UPI is faster and smoother, end-to-end. Stays now show nearby attractions and Street View so you know what you're walking into. Train bookings come with free cancellation. The CX bot understands your bank better and responds quicker. Flights get passport and nationality details right now. Every part of your trip is now sorted.