SimplifyCards take:A good fit if you want a card built for travel, zero forex, and lounge
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Best for Travel Bookings On Scapia AppBest for
20 Scapia Coins / ₹100
!
Avoid if you spend big on fuel, rent, and insuranceWatch out
These categories are excluded and won't earn rewards
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Good fit if you want a card built for travel, zero forex, and loungeBottom line
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on travel bookings on scapia app
Estimate your Scapia Coins
Adjust your monthly spend to see the card's estimated annual value
How the card works
Scapia Coins rates
| Category | Rate |
|---|---|
| Travel Bookings On Scapia App | 20 Scapia Coins / ₹100 |
| Visa Online And Offline Spends | 10 Scapia Coins / ₹100 |
| UPI Spends Of ₹500 Or More On RuPay | 5 Scapia Coins / ₹100 |
Redemption
Airmile transferupto 0.2 airmile per point
Important conditions
1
Domestic loungeUnlimited visits per year
- Unlimited domestic airport lounge access requires a minimum spend of ₹20,000 in the preceding calendar month
- Effective February 27, 2026, insurance spends (MCC 6300) and utility transactions (including telecom, internet, cable, and communication services under MCC 4900, 4812, 4814, 4816, and 4899) are excluded from earning Scapia Coins and do not count towards the domestic lounge spend milestone
Benefits and fine print
Welcome, renewal, and other listed benefits
Additional benefits
- Airport privileges worth up to ₹1,000 back in rewards on airport dining, shopping, and spa services
- International airport privileges (100% value back up to ₹2,000 on airport dining, duty-free, and brand outlets) are unlocked by booking an international flight of ₹50,000 or more in a single transaction via the Scapia app
Additional details
- Scapia Coins can only be redeemed for flights, hotels, and buses within the Scapia app
Latest Updates
Recent changes to this card
Scapia Federal Credit Card rewards and lounge access revised27 Feb 2026
- Effective 27 February 2026, Scapia revised its reward eligibility and lounge threshold
- Spends on insurance and utilities (including telecom) no longer earn Scapia Coins
- Unlimited domestic lounge access and airport privileges now require a minimum spend of ₹20,000 in the preceding month (previously ₹10,000)
- International airport privileges now require booking an international flight of ₹50,000 or more via the Scapia app
Eligibility
Check this before you apply
Salaried
- Resident Indian citizen
- Primary cardholder age 21 to 65 years
Self-employed
- Resident Indian citizen
- Primary cardholder age 25 to 65 years
Exclusions
Spending that does not earn scapia coins
- fuel spends
- rental payments
- educational services and school fees
- utility bill payments
- telecom, broadband, cable, and communication services
- insurance payments
- government services
- wallet loading and top-up transactions
- cash withdrawals and advances
- money transfers
- EMI transactions
- purchase of gift cards
- cryptocurrency transactions
- credit card bill payments
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