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Scapia

Check your Scapia eligibility

Grab an Scapia with just a click and get exciting rewards and offers

Note: It will not affect your score

Scapia

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A

reward and benefits +

  • ₹0 Joining Fee
  • ₹0 Annual Fee
  • Up to 20% rewards on eligible travel bookings through the Scapia app
  • 10% rewards on eligible online & offline spends
  • 5% rewards on eligible RuPay/UPI spends
  • 0% Forex Markup on international transactions
  • Unlimited domestic lounge access on meeting the ₹20,000 monthly spend criteria
  • Up to ₹1,000 back on ₹1,000 eligible domestic airport spends
  • Airport benefits unlock at ₹20,000 monthly spends
  • Flexible travel bookings through the Scapia app
  • Rewards redeemable towards eligible travel bookings

    • free & charges +

    138"> Forex Markup: 0%

  • Cash Withdrawal Fee: 2.5% of withdrawn amount or ₹500, whichever is higher
  • Interest Rate: 45% p.a. (3.75% per month)
  • Late Payment Fee: ₹0–₹1,000 depending on outstanding amount
  • Overlimit Fee: 2.5% of overlimit amount, minimum ₹500
  • Rent Payment Fee: 1% + applicable GST
  • Wallet Loading Fee: 1% of transaction amount
  • Card Replacement Fee: ₹200 + applicable GST
  • Rewards Redemption Fee: Nil
  • Interest-Free Period: Up to 48 days

    • product details +

  • Rewards: Earn rewards on eligible everyday and travel spends
  • Travel Rewards: 20% rewards on eligible travel bookings through the Scapia App
  • International Transactions: 0% Forex markup
  • Airport Benefits: Lounge, dining, shopping and spa benefits subject to applicable spend criteria
  • App Features: Manage card, set transaction limits, control permissions and make repayments through the app
  • Customer Support: 24×7 support
  • Eligibility: Resident Indian citizens; primary cardholder age generally 21–65 for salaried applicants and 25–65 for self-employed applicants.

    • pros / cons +

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  • ₹0 Joining & Annual Fee
  • 0% Forex Markup for international transactions
  • Attractive travel rewards and airport benefits

    • Cons

    • ₹20,000 monthly spend required to unlock key airport benefits
    • Rewards are primarily useful for travel-related redemptions
    • Certain transactions/categories are excluded from earning rewards