The Best Credit Card for Travellers With Zero Joining Fees
Scapia is built for travellers, designed to be used for everyday spends so your daily expenses can turn into avel experiences over time. Earn rewards on daily spends, enjoy zero forex markup, unlock airport privileges and access to a travel ecosystem - all in one seamless app experience.
Key Features
Earn on Daily Spends + Travel
Use your Scapia card on everyday purchases and earn 10% rewards online and offline spends and 5% on UPI spends. Earn unlimited rewards every month - there’s no cap on earning rewards per month or per transaction. (5 Scapia Coins = ₹1)
Redeem coins directly on the Scapia app for:
Flights • Hotels • Trains • Buses • Visas • Experiences • Trips • Shopping
No complicated conversions. No hidden conditions. Just rewards you can actually use.
Zero Forex Markup
Swipe internationally without worrying about hidden charges.
With 0% forex markup, Scapia is one of the smartest ways to spend globally - whether you're travelling abroad or shopping internationally.
Airport Privileges That Go Beyond Lounges
Access more than just lounges. Enjoy flexibility at airports with benefits across dining, shopping, spa, and lounge access.
- Up to ₹1,000 in rewards at domestic airports and domestic lounge access unlocked on spending ₹20,000 and more the previous billing cycle
- Up to ₹2,000 back in rewards on duty-free shopping or dining at international terminals in India, unlocked on booking an international flight of ₹50,000 or more via the Scapia app
Seamless Travel Ecosystem
Plan and book your entire journey in one place.
From flights and hotels to trains, buses, and experiences - Scapia brings everything together in a single, easy-to-use app.
Scapia Pay (UPI Integration)
Now earn 5% rewards on everyday UPI transactions using their Scapia Federal RuPay and Scapia BOBCARD RuPay credit cards.
Add-on Cards for Family
Extend Scapia benefits to your spouse or immediate family.
Enjoy shared access to zero forex markup, rewards, and the full Scapia travel ecosystem - making family travel smoother and more rewarding.
Zero Joining Fee & Zero Annual Fee
No hidden costs. No pressure to hit spending milestones. Just use the card the way it fits your lifestyle.
Benefits: Why Users Love Scapia
Rewards That Are Simple & Transparent
No complicated conversions. Your daily spends earns you rewards in the form of Scapia coins, which you can see and redeem easily in the app.
Travel Funded by Everyday Life
Instead of letting rewards sit unused, Scapia turns your regular expenses into something tangible -your next trip.
Designed for Modern Travellers
Whether it’s a quick weekend trip or an international vacation, Scapia adapts to how you travel today - flexible, frequent, and app-first.
Access to the exhaustive travel ecosystem
From booking tickets, hotels, destination experiences and shopping as per the trip - Scapia offers’s travel ecosystem that has it all.
Use Cases
- Daily users: Spend on daily spends, including UPI payments and earn rewards in the form of Scapia Coins
- Frequent travellers: Save on forex, earn rewards, and use them across bookings
- Occasional travellers: Let everyday spending build your travel fund over time
- International travellers: Avoid forex fees and use add-on cards for family trips
Trust Signals
- Issued by Federal Bank and BOBCARD
- Fully digital, secure, and easy onboarding process
-Transparent rewards system with no hidden fees
- Growing base of users sharing positive Scapia reviews
Ready to Travel Smarter?
Apply for the Scapia co-branded credit cards and unlock a smarter way to spend and travel.
Earn on everyday transactions, save on international spends, and unlock travel benefits - all with one powerful card.
Important Information
Apple is not a sponsor of, nor is it involved in, any promotions, rewards programs, or offers provided by Scapia.
Disappointing Experience with Unjust Rejections and Credit Score Impact
Bsv08
I am extremely disappointed with the Scapia Credit Card app and its application process. I applied for the card in April 2025 with a strong credit score and history, but my application was rejected without any clear reason, resulting in a hard inquiry that lowered my score. Three days ago, I received an email claiming the rejection was due to a technical error and was prompted to reapply. Trusting this, I reapplied, only to face another rejection with no explanation, causing yet another hit to my credit score. This is unacceptable, especially as I’m preparing for a home loan, and these inquiries are affecting my eligibility. The lack of transparency and repeated errors reflect poorly on Federal Bank’s ability to manage credit applications. I urge potential users to be cautious, as this app’s process can harm your credit profile without justification. Please address these issues and provide clarity on rejections!
Developer Response
Hey, we are truly sorry for the experience you had and want to understand your concern better. Could you please mail us your registered details with a brief of your issue at care@scapia.cards with the subject line 'SM- 3673111783'
Great app (?)
Macfreak7
extremely functional and borderline fun addictive. be mindful about those badges!Update: Cannot access my statement. Theres no other way to access card information. Starting to wonder about the reliability of the app, without any alternative way to access information when the app isnt working.
Easy and fast
Jai Jai Sri Ram
Credit card application process is much easier and faster than I expected.
We have multiple updates for you. For cards, tribe members can now add a new credit card for bill payments by simply pointing their camera at the card. No manual entry required. Also, they can now add a Scan & Pay widget directly to their home screen. Scapia Pay opens instantly, making your payments as quick and fluid as the entire experience.
Our tribe members can select multiple transactions at once and convert them into EMIs instead of paying the full amount upfront.
Version 2.2172.017
The developer, Scapia Technology Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
Identifiers
Sensitive Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Contacts
User Content
Usage Data
Diagnostics
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Scapia Technology Private Limited
Size
320.3 MB
Category
Finance
Compatibility
Requires iOS 15.5 or later.
iPhone Requires iOS 15.5 or later.
iPod touch Requires iOS 15.5 or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.