The Scapia Credit Card is a lifetime-free travel card designed around zero forex markup and travel rewards, issued digitally via the Scapia app in partnership with Federal Bank and BOBCARD (Bank of Baroda). Cardholders earn 20 Scapia Coins per ₹100 (~4% effective return, where 5 coins = ₹1) on flights and hotels booked through the Scapia app, and 10% coins (~2% return) on other eligible spending. Note that the RuPay variant earns half that rate (5% coins on spends of ₹500+) compared to the Visa variant (10% coins on spends of ₹20+). Following a February 2026 update, complimentary unlimited domestic airport lounge access is unlocked by spending ₹20,000 or more in the previous calendar month, while insurance, utilities, rent, and fuel transactions are excluded from reward accrual.
