Scapia Federal Bank RuPay credit card
Scapia Federal Bank Visa credit card

0% forex markup. ₹0 annual fee.

Scapia’s travel credit card, issued by Federal Bank, Axis Bank and BOBCARD.

Scapia’s referral offer, through our linkFlat ₹1,000 off your next flight booking

Zero joining and annual fees

Next, you apply on apply.scapia.cards. Cards Authority is an independent site, not Scapia, and never asks for OTPs. How we use your number

Built for people who travel

  • 0%

    forex markup

    Spend abroad at no markup. Many Indian cards add 3.5%.

  • ~2%

    back in Scapia coins

    10 coins per ₹100 on card spends, and 5 coins = ₹1. Up to twice that on travel booked in the Scapia app. Coins are spent on Scapia-app travel.

  • ∞

    domestic lounge visits

    Unlimited, unlocked by a combined spend of ₹20,000 in a month across your Scapia cards.

  • UPI

    on a RuPay credit card

    The RuPay version links to UPI apps, so you can scan and pay with credit.

Checked against scapia.cards on 1 Nov 2026. Scapia and its banks can change these terms; the MITC on Scapia’s site is the final word.

From here to card in three steps

Most applications that don’t finish stop at video KYC. If yours does, we can send you the link to pick it up again.

  1. Apply on Scapia

    Your mobile number, PAN, address and income details, on Scapia’s own page.

  2. Video KYC

    A short video call. Keep your original PAN card with you: RBI’s rules say a printed e-PAN isn’t valid.

  3. Use it from the Scapia app

    Once the bank approves you, the card, rewards and lounge access live in the app.

Only enter your OTP on scapia.cards or in the Scapia app. Cards Authority will never ask for it, or for your PAN, Aadhaar or card details.

Get the Scapia card

Our link is a Scapia referral link: if you are approved through it, we may get a referral reward from Scapia. You pay nothing extra. Our disclosure.