SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for travel, zero forex, and lounge.
Why it can work
It combines complimentary airport lounge access, a low 0% forex markup, and accelerated rewards on travel bookings on scapia app.
Where value may drop
Fuel, rent, and insurance don't earn rewards.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many scapia coins you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Scapia Coins/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 3,600 |
| Travel (cab, train, etc.) | Rs 5,000 | 2,400 |
| UPI payments | Rs 5,000 | 600 |
| Other spends | Rs 8,000 | 1,920 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Travel Bookings On Scapia App
20% Scapia Coins
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 0% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns scapia coins you can put toward flights, hotels, or transfer partners.
Avoid if you spend big on fuel, rent, and insurance
These categories are excluded and won't earn rewards.
Avoid if you want pure cashback
Simpler cashback cards exist if you'd rather not manage reward points.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Travel bookings on Scapia app | 20% Scapia Coins |
| Visa online and offline spends | 10% Scapia Coins |
| UPI spends of Rs 500 or more on RuPay | 5% Scapia Coins |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Unlimited domestic airport lounge access requires a minimum spend of Rs 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.
Exclusions
Categories that earn no rewards on this card.
- 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
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- Airport privileges worth up to Rs 1,000 back in rewards on airport dining, shopping, and spa services
- International airport privileges (100% value back up to Rs 2,000 on airport dining, duty-free, and brand outlets) are unlocked by booking an international flight of Rs 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.
- 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
Compare before you decide
Alternatives based on what you might want instead.
BOBCARD Scapia Credit Card
Best for travel, zero forex, lounge.
Federal Bank Celesta Credit Card
Best for travel, lounge, dining.
Federal Bank Wave RuPay Credit Card
Best for upi, rupay, lifetime free.