In 2023, Scapia introduced a travel-focused credit card that stands apart due to its dedicated apps and features designed exclusively for travel enthusiasts. For instance, the accompanying app lets users book flights and accommodations, and even apply for necessary visas.
Then in 2024, regulators instructed their banking partner, Federal Bank, to stop onboarding customers for new co-branded credit cards, which meant Scapia had to pause its customer registrations. However, they are now back in action.
Scapia is issuing credit cards again.
Scapia has officially re-launched its credit card. Their main goal is to make travel rewards easier to access. They even produced a video featuring Naseeruddin Shah to announce their return.
After rejoining the market, I got my card approved and added it to my wallet list immediately. I’ve since been asked why I’m using this particular card when I have access to so many other top-tier cards, and here’s my take:
Instead of a traditional point system, Scapia has developed various models: no Forex markup, unlimited access to domestic lounges, and travel rewards through a program called “Scapia Coins.” This is how it all works:
- No Forex Markup: Scapia does away with any foreign exchange fees, making it a great option for international purchases. Just note that rewards aren’t earned on these transactions.
- Airport Privileges: If you spend INR 10,000 monthly, you get unlimited access to domestic airport lounges in India. There’s also a feature to earn refunds at select airports, putting some coins back in your pocket (0.2 INR per coin).
- Scapia Coins Rewards Program: You earn 10% back in Scapia Coins for every transaction. When traveling through their app, it jumps to 20%. Essentially, 5 Scapia Coins equal 1 INR, translating to 2% back on regular spending and 4% on travel-related expenses. You can redeem these coins via the Scapia app for travel bookings like flights or hotel stays.
- Free for Life: There are no enrollment or annual fees.
What draws me in the most is the Scapia Airport Privileges Program.
Understanding Scapia Airport Privileges
Your airport privileges kick in after spending at least 10,000 INR before your next statement is generated. The first month, it activates right after that initial spend. You’ll see it reflected in your dashboard once it’s activated.
The Airport Privileges Program has three options, and you can select one while traveling:
- Dining at the Airport: Use your Scapia card at designated airport restaurants in six major Indian metros (Mumbai, Delhi, Bangalore, Chennai, Kolkata, and Hyderabad) to earn back coins worth 1,000 INR. Other airports offer up to 500 INR. Just remember to activate the outlet before you pay.
- Shopping at the Airport: Likewise, if you shop at specified outlets with your Scapia card in those six metros, you can earn back coins worth 1,000 INR. For other locations, it’s 500 INR—again, make sure to activate it before swiping.
- Lounge Access: If dining or shopping isn’t your plan, historical lounge access is available via a QR code generated by the app. Scapia gives access to lounges in 25 cities across India.
Just keep in mind, you can only claim one of these perks at a time when departing from a single airport. I signed up and received a decent credit limit. Apparently, existing Federal Bank customers will also have access. While there are plenty of lounge-access cards available, I appreciate this card’s feature that refunds your spending instead of just giving you lounge access.
You can apply for a card here. This referral link ensures you’ll earn Scapia coins upon successful card approval.
Final Thoughts
Scapia has resumed onboarding customers with a travel-centered credit card that boasts intriguing perks. With no markup for international spending and the ability to earn coins for airport expenditures, it redefines the lounge access experience. Apply here if you’re interested.
What do you think about Scapia credit cards? Drop your thoughts or experiences in the comments below.
