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

I’ve been trying to apply for a BOB card for over a month, but every time I attempt the Aadhaar eKYC process, I get the error message: "Error in connecting to eKYC." This issue has been occurring consistently for the past month. I even tried reinstalling the app, but it made no difference. The app’s servers seem extremely unreliable, making the entire experience very frustrating. This has been one of the worst app experiences I’ve ever had. Very disappointing service.

Great user interface and an overall smooth experience. However, I have one query regarding the referral program. I referred six people, but only one was approved for the Scapia card. The other five have good credit scores, and two of them have salaries above ₹50,000 per month. So if possible, could you give short remarks to referrer why referrals were unsuccessful. thanks

What’s new

Here's everything that got better for you this time, not just the app. Referral now shows exactly what you've earned and from whom, no more digging to check. Raising a UPI issue with NPCI on Scapia Pay takes a few taps, no app-hopping, no hold music. As part of our Monsoon Release, the Scapia Store welcomes 100+ new brands travellers love. We also launched Villas & Homes, so your next trip can be an entire place to yourselves, perfect for family, friends, and pets.