Scapia RuPay Credit Card

rupayclassiccredittravelshopping

Annual Fee

FREE

Base Reward

4% points

Foreign Markup

Nil

4.7/5

Product Highlights

Lifetime Free Credit Card
Unlimited Domestic Lounge Access
Zero Forex Markup Fees

Category Rewards

travel

20% Scapia Coins on Travel Bookings

other

10% Scapia Coins on All Other Transactions

Rewards Details

Earn 20% Scapia Coins on travel bookings via the Scapia app, and 10% Scapia Coins on all other eligible online and offline spends.

Reward Points — Redemption Value

1 Scapia Coin = ₹0.20

Benefits & Features

Domestic: Unlimited Airport Lounge Access (Making Monthly Spends of ₹20,000) Free entry is available exclusively for Eligible Cardholders, subject to a valid lounge QR code generated on the Scapia App.

Pros & Cons

Pros

Most suited for frequent travellers
Available on the RuPay network for UPI spending
No forex charges on international spends

Cons

Scapia Coins can only be redeemed for bookings with Scapia
Unlimited lounge access requires minimum spending each statement cycle

Additional Info

Excluded Categories

fuelrentutilityinsurancecryptogift cardswallet reloadseducationgovernment servicesbusiness servicesEMI transactions

Fees & Charges

Annual FeeFREE

Joining FeeLifetime Free

Foreign MarkupNil

Interest Rate3.75% Per Month

Cash Advance2.5% of the Total Amount Withdrawn or a Minimum of ₹500

Eligibility

Networks

rupayvisa