Travel, lifetime free
Scapia Credit Card
A lifetime-free travel card with zero forex markup, unlimited domestic lounge visits when you spend ₹20,000 a month, and about 2% back in Scapia Coins (4% on travel booked in the app).
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top rewardAbout 4% on Scapia app travel
LoungeUnlimited domestic (₹20,000 a month spend)
Forex markup0%
Best for: Young travellers who spend ₹20,000+ a month and book flights or hotels a few times a year.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Flights and hotels booked in the Scapia app | 20 coins per ₹100 (about 4%) | – |
| All other spends (₹20 or more) | 10 coins per ₹100 (about 2%) | – |
| UPI on the RuPay card (₹500 or more) | 5 coins per ₹100 | – |
| Fuel, rent, insurance, utility bills | Nothing | – |
- 5 Scapia Coins = ₹1.
- Coins can only be used for flights and hotels in the Scapia app, or on the Scapia Store, not as cash.
Benefits
Welcome benefit
- No fixed welcome benefit.
Milestones
- None.
Travel and lounges
- Unlimited domestic lounge visits in any billing cycle where you spend ₹20,000 or more.
- 10% off international hotels on Booking.com through the Scapia app.
Fuel and forex
- Zero forex markup on international spends.
- Fuel earns nothing.
Other perks
- Issued by Federal Bank, BOBCARD or Axis Bank
- RuPay version works on UPI
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free |
| Interest | 3.75% a month |
| Forex markup | 0% |
| Large transactions | 1% on single transactions above ₹50,000 (max ₹3,000) |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried, self-employed or student
- Digital application through the Scapia app
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No fees and zero forex markup
- Unlimited domestic lounges
- Good return if you redeem on travel
Watch out for
- Coins only work for travel in the Scapia app
- Lounge needs ₹20,000 spend every cycle
- No international lounge access
Recent changes
- 3 Sep 2026Axis Bank added as a third issuer.
- 27 Feb 2026Lounge spend rule raised to ₹20,000 a month; insurance and utilities stop earning.
Frequently asked questions
Is Scapia really lifetime free?
Yes, with no joining or annual fee.
Does Scapia charge forex markup?
No, international spends have a 0% markup.
Ready to apply for the Scapia Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor · Federal Bank. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.