This card is a hit in India. It has cool features for managing money and getting rewards.
The Scapia Federal Bank Credit Card is easy to use and safe. It's a top pick for many users.
What is the Scapia Credit Card?
The Scapia Credit Card comes from Scapia Federal Bank. It's a well-known bank in India. Scapia Federal Bank is known for its trustworthiness in finance.
Overview of Scapia Federal Bank in India
Bank History and Reputation
Scapia Federal Bank has been around for many years. It's known for being reliable and having great customer service. They also offer new and exciting financial products.
Position in the Indian Banking Sector
Scapia Federal Bank is a big name in Indian banking. They provide many financial services to people and businesses. Their focus on quality and customer happiness has made them very popular.
Introduction to the Scapia Credit Card
The Scapia Credit Card is made for different financial needs. There are many types of cards to pick from. This way, customers can find a card that fits their life and likes.
Card Types and Variants
Scapia, in collaboration with Federal Bank, offers an evolved suite of credit card solutions tailored for today’s travel-savvy and digitally engaged users. At the forefront is the innovative Scapia Federal Dual-Network Credit Card—India’s first that seamlessly merges Visa and RuPay capabilities, including UPI transactions, into a single consolidated credit statement. Travel benefits shine through: zero forex markup on international spending, unlimited domestic airport lounge access (unlocked with a monthly spend of ₹10,000 on Visa or ₹15,000 on RuPay variants), and 100% value back (in Scapia Coins) on selected airport outlet purchases. The rewards program is generous—earn 10% back in Scapia Coins on general spends (~2% equivalent) and 20% on travel bookings via the Scapia app (~4% value). The card comes with zero joining or annual fees and is issued via a fully digital onboarding process. Although a Visa-only variant was launched in 2023, the 2025 dual-network upgrade has made it far more versatile and traveler-friendly. Additionally, Scapia continues to enhance its ecosystem—it now offers smarter train bookings, map-based stay searches, special fares for students and seniors, and a revamped Scapia Coins interface for clearer redemption tracking.
Target Customer Base
The Scapia Credit Card is for many kinds of people. It's for young professionals, families, and even retirees. Scapia has a card for almost any financial need or goal.
Key Features of the Scapia Credit Card
The Scapia Credit Card is made for you. It has features that make using a credit card better. It's flexible and easy to use.
Credit Limit Options and Flexibility
The Scapia Credit Card offers flexible credit limit options designed to match different spending profiles. Scapia, in partnership with Federal Bank, understands that managing a credit limit wisely is a key part of financial planning, so it provides choices that grow with your usage and lifestyle needs.
Starting Credit Limits
New users are offered a fair and practical starting credit limit, usually based on factors like income, repayment history, and credit score. Scapia’s fully digital onboarding makes it easier for customers—even first-time credit card users—to get approved quickly. This initial limit gives you a balanced way to begin building or improving your credit profile.
Credit Limit Increase Policies
Scapia actively rewards responsible card usage. If you make timely payments, keep your utilization moderate, and maintain a strong credit score, you may be eligible for an automatic credit limit increase within 6–12 months. Scapia also reviews spending behavior and app activity to assess higher eligibility. With the 2025 updates, users can now request a self-initiated credit limit review directly through the Scapia app, reducing the need for manual paperwork.
Extra Flexibility
Scapia has also introduced temporary limit enhancement requests—ideal for travel or high-value purchases. These short-term increases are processed digitally and reflected instantly in the app, ensuring customers have the flexibility they need without waiting for manual approval.
Card Design and Technology
The Scapia Credit Card is not just about money. It also has cool tech for a better experience. Its design and tech make it convenient and safe.
Contactless Payment Capabilities
Make payments fast and safe with contactless tech. Just tap your card on a terminal.
Chip Security Features
The card has top-notch chip security. It keeps your transactions safe from hackers.
International Usage Benefits
Traveling or buying things abroad? The Scapia Credit Card is perfect for you. It has great benefits for international use.
Foreign Transaction Fees
It has low foreign transaction fees. This makes buying things abroad cheaper.
Global Acceptance Network
The card works worldwide. You can use it in many places and with different currencies.
Comprehensive Rewards Program
The Scapia Credit Card has a great rewards program. It helps you earn points for different ways you spend money. This way, everyone can get more benefits.
Point Accumulation System
The Scapia Credit Card makes it simple to earn points. You get points for every purchase you make. It's easy to keep track of your rewards.
Points Earning Rate
You earn points quickly with the Scapia Credit Card. You get extra points for dining, travel, and entertainment. For example, you get 2 points for every ₹100 spent on dining and 1.5 points for every ₹100 spent on travel.
Bonus Categories
The Scapia Credit Card has special categories for extra points. These categories change every quarter. This gives you chances to earn more points all year.
Redemption Options
You can use your points for many things. This includes travel, merchandise, and gift cards. It's easy to redeem points online or through the app.
Travel Redemptions
Travel is a popular choice for redeeming points. You can book flights, hotels, or packages. It's perfect for those who travel a lot.
Merchandise and Gift Cards
If you like something you can hold, the Scapia Credit Card has options. You can choose from merchandise and gift cards from well-known brands. This way, you can pick something you really want.
Special Promotional Offers
The Scapia Credit Card regularly introduces attractive promotional offers that add extra value to every transaction. From generous welcome bonuses to seasonal campaigns and partner-led deals, Scapia ensures that users always have opportunities to maximize their rewards.Welcome Bonuses
New cardholders enjoy exciting welcome bonuses on activation. Typically, by spending a minimum amount within the first 30–45 days, users can earn a large chunk of Scapia Coins as a head start. In 2025, Scapia has also added tiered welcome rewards—the more you spend in the first 90 days, the bigger the bonus, making it a great way to accelerate your travel savings.Seasonal Promotions
Scapia curates limited-time promotions throughout the year, aligning with festivals, long weekends, and travel seasons. These include extra Scapia Coins on bookings made via the Scapia app, zero-convenience fees on flight and hotel reservations, and bonus rewards for UPI payments via the RuPay network. For example, during festive periods like Diwali or summer vacations, users can unlock 2x to 3x reward multipliers on travel spends.Exclusive Partner Discounts
Beyond Scapia’s own rewards, the card also provides partner-linked offers with airlines, hotels, and lifestyle brands. Cardholders can enjoy exclusive discounts, cashbacks, and early access to travel sales, ensuring they save while spending.Cashback Benefits and Structure
The Scapia Credit Card has a great cashback plan. It rewards users for their purchases. This means cardholders get cashback in many ways.
Standard Cashback Rates
The Scapia Credit Card has a good cashback rate. Users earn a base cashback percentage on their daily buys.
Base Cashback Percentage
The base cashback is 1.5% on all eligible buys. This makes it a great choice for regular users.
Minimum Spend Requirements
To get the most cashback, cardholders need to meet certain spend requirements. These are clearly shown on the Scapia website.
Category-Specific Cashback
The Scapia Credit Card also has special cashback deals for certain categories.
Dining and Entertainment
Cardholders get more cashback at dining and entertainment spots. This is perfect for those who love to eat out or enjoy shows.
Shopping and Utility Payments
The card also gives more cashback for shopping and utility payments. This means more savings for users.
Cashback Redemption Process
Getting cashback rewards from the Scapia Credit Card is easy.
Automatic vs. Manual Redemption
Users can pick between automatic and manual redemption. This gives them flexibility in using their rewards.
Minimum Redemption Thresholds
There are minimum thresholds for redeeming cashback. This helps cardholders get their rewards efficiently.
Fees and Interest Rates
It's important to know about the fees and interest rates of the Scapia Credit Card. This helps you manage your money well. You should understand the different charges that might happen.
Annual Fee Structure
The Scapia Credit Card has a yearly fee. This is common for high-end credit cards. The fee helps cover the card's benefits and rewards.
First Year Fee Waiver Conditions
New cardholders often get the first year's fee waived. This lets you try the card's benefits without paying the fee first. You must activate the card within a certain time to get this offer.
Renewal Fee Policies
When it's time to renew, the fee is automatically added to your account. You'll get a notice before the renewal date. This gives you time to think about keeping the card or canceling to avoid the fee.
Interest Rates and Finance Charges
The interest rates on the Scapia Credit Card are key to consider. They can change how much you pay for using the card. The rate you get depends on your credit score and the card's rules.
Purchase APR
The APR for purchases is competitive. It might change based on the market and your credit score.
Cash Advance Rates
Cash advances have a higher APR than purchases. They also might have a fee, which is a percentage of the amount you take out.
Late Payment and Other Penalties
Missing payments or going over your limit can lead to extra fees. Knowing about these penalties helps you avoid extra charges.
Late Payment Fee Structure
A late fee is charged if you miss the payment deadline. The amount of the fee is in the card's terms.
Over-limit Charges
Going over your limit can cost you an over-limit fee. It's smart to keep an eye on your spending to avoid this.
Knowing about these fees and interest rates helps Scapia Credit Card users manage their money better. This way, they can enjoy the card's benefits more.
Eligibility Requirements for Indian Customers
To get the Scapia Credit Card in India, you need to meet certain criteria. This includes income, credit score, and documents.
Income Criteria
The Scapia Credit Card has income rules for applicants.
Salaried Employees
Salaried people must earn at least ₹50,000 a month to apply.
Self-Employed Professionals
Self-employed folks need to make at least ₹5 lakhs a year.
Credit Score Requirements
A good credit score is key for approval.
Minimum CIBIL Score
You need a CIBIL score of 750 or higher.
Credit History Considerations
Those with good payment history and low credit use are better.
Documentation Needed
You must give certain documents for your application.
KYC Documents
You'll need an Aadhaar card, PAN card, and passport.
Income Proof Requirements
Employees should give salary slips and bank statements. Self-employed people need income tax returns and financial statements.
Online Application Process
To start with your Scapia Credit Card, follow an easy online process. The bank made it simple. You can apply from home.
Step-by-Step Online Application Guide
First, find the application form:
- Go to the Scapia Bank website.
- Click on 'Credit Cards' and pick Scapia Credit Card.
- Hit 'Apply Now' to start the form.
Website Navigation
The Scapia Bank website is easy to use. Clear menus and clear calls-to-action help you along.
When you fill out the form, have your documents ready. This includes your PAN card and address proof. Be accurate to avoid delays.
In-Branch Application Alternative
For a personal touch or questions, visit a Scapia Bank branch.
Required Documents
Bring your ID, address proof, and income documents.
Branch Locations in Major Indian Cities
Scapia Bank is big in cities like Delhi, Mumbai, and Bangalore. Use their website to find a branch near you.
Approval Timeline and Card Delivery
The approval is usually fast. Most applications are processed in a few days.
Processing Time
Expect a decision in 3 to 5 working days after applying.
Card Activation Process
After getting your card, activate it. Follow the instructions from Scapia Bank. This is usually a phone call or online.
Customer Service Experience with Scapia Bank
Scapia Bank cares about its customers. It offers great customer service for its credit card users. This shows in the many ways it helps its customers in India.
Support Channels Available in India
Scapia Bank has many ways to help its customers. These include:
- A 24/7 helpline for immediate help
- Email support for detailed questions
- Chat support for quick help
24/7 Helpline Details
The 24/7 helpline is a big part of Scapia Bank's service. It helps customers all day, every day. You can call for lost cards, questions about money, or other card problems.
Email and Chat Support
Scapia Bank also has email and chat support. This is for those who like to write or need help that's not urgent. It lets customers pick the best way to get help.
Response Time and Quality
Good customer service means quick and helpful responses. The response time and effectiveness are key.
Average Wait Times
Scapia Bank works hard to keep average wait times short. This means you won't wait long for help.
Resolution Effectiveness
The bank aims to solve problems right away. This means fixing issues in one go, if possible.
Dispute Resolution Process
Scapia Bank has a clear dispute resolution process. This is for when customers need to challenge transactions or solve other problems.
Chargeback Procedures
The bank's chargeback procedures are easy to follow. This makes it simpler for customers to dispute unauthorized charges.
Complaint Escalation Path
For harder issues, Scapia Bank has a complaint escalation path. This ensures that all concerns are handled properly.
Digital Banking Integration
The Scapia Credit Card makes banking easy with its mobile app and online services. It's designed for a smooth, safe, and full financial management experience.
Mobile App Features
The Scapia Credit Card app has cool features for managing your card. Some key ones are:
- Transaction Monitoring: See your spending in real-time.
- Bill Payment Options: Pay bills safely and easily in the app.
Online Account Management
Manage your account online with ease. You can access many services, like:
- Statement Access and Download: Get and save statements for your records.
- Credit Limit Management: Change your credit limit when you need to.
Transaction Alerts and Notifications
The Scapia Credit Card keeps you safe and informed with:
- SMS Alert System: Get instant updates on transactions and account activity.
- Fraud Detection Notifications: Get alerts for any odd activity to stop fraud.
"The integration of digital banking services with the Scapia Credit Card represents a significant step forward in customer convenience and financial management." - A recent statement highlighted the bank's commitment to leveraging technology for customer benefit.
Comparison with Other Credit Cards in India
The Scapia Credit Card is a great choice compared to other cards in India. It has special features and benefits. We will look at how it stacks up against other well-known cards.
Scapia vs. Premium Bank Cards
The Scapia Credit Card is a top choice, like other fancy cards from banks like HDFC and ICICI.
HDFC Bank Premium Cards
HDFC Bank's fancy cards give lots of rewards and perks. But, Scapia's rewards program lets you use points in many ways.
ICICI Bank Credit Cards
ICICI Bank cards are known for cashback. But, Scapia's cashback structure gives more back in some categories.
Scapia vs. Other Rewards Cards
The Scapia Credit Card is special because of its big rewards program and easy points use.
SBI Card Offerings
SBI Cards have a great rewards program. But, Scapia's rewards cover more areas, like travel and dining.
Axis Bank Credit Cards
Axis Bank cards are great for travel. But, Scapia's travel insurance and help make it better for those who travel a lot.
Unique Selling Points in the Indian Market
The Scapia Credit Card has things that make it stand out from others.
Standout Benefits
- High rewards earning
- Flexible points use
- Great travel insurance
Value Proposition Analysis
The Scapia Credit Card is a great deal. It has a rich rewards program and top benefits. It's a good pick for people in India.
Pros and Cons of the Scapia Credit Card
It's important to know the good and bad of the Scapia Credit Card. Federal Bank offers this card with many features. These can help you manage money and earn rewards.
Major Advantages
The Scapia Credit Card has many benefits. It's great for travelers and shoppers. Here are some key advantages:
- Reward Rate Value: Earn points on your purchases. Use them for travel, merchandise, or other rewards.
- Fee Structure Benefits: The card has competitive annual fees and interest rates. This makes it a good deal.
Reward Rate Value
The card has a points system. You earn points on every purchase. Use these points for travel or merchandise.
Fee Structure Benefits
The card's fees are competitive. The annual fees and interest rates are fair.
Potential Drawbacks
There are some downsides to the Scapia Credit Card:
- Limitations to Consider: You need to spend a lot to get the most rewards.
- Comparison to Market Leaders: Some cards offer more benefits.
Limitations to Consider
To get the most from the card, you need to spend a lot. This can be hard if you have a low credit limit.
Comparison to Market Leaders
While the Scapia Card is good, some cards have better rewards and perks.
Who Should Consider This Card
The Scapia Credit Card is best for:
- Ideal Spending Profiles: Travelers and big spenders.
- Lifestyle Compatibility: People who like flexible rewards.
Ideal Spending Profiles
Travelers and those who spend a lot on dining can earn more rewards with this card.
Lifestyle Compatibility
The card's rewards are flexible. You can use your points in ways that fit your lifestyle.
Final Verdict: Is the Scapia Credit Card Worth It for Indian Consumers?
The Scapia Credit Card is great for Indian consumers. It has a good rewards program, cashback, and flexible credit limits. It's perfect for those who travel a lot or buy big things.
But, think about the fees and interest rates too. Indian consumers should check their spending and money situation before getting it. The card also has cool digital banking and customer service.
So, the Scapia Credit Card is good for Indian consumers who use it well. Knowing what the card offers helps make a smart choice for your money.
If you're thinking about the Scapia Credit Card, check the rules and how to apply. This way, you can use it wisely and make it a great part of your money tools.
FAQ
What is the credit limit for the Scapia Credit Card?
The Scapia Credit Card's limit varies. It depends on your income, credit score, and more. It can be from ₹50,000 to ₹500,000 or more.
How do I apply for the Scapia Credit Card online?
To apply online, go to the Scapia Federal Bank website. Then, find the credit card section. Fill out the form and submit your documents.
What are the rewards earning rates for the Scapia Credit Card?
You earn 4-6 points per ₹100 spent. Dining, entertainment, and shopping give more points.
Can I redeem my Scapia Credit Card rewards points for cashback?
Yes, you can. Redeem points for cashback, travel, merchandise, or gift cards. You need 500 points to start.
What is the annual fee for the Scapia Credit Card?
The fee is ₹999 to ₹4,999. It depends on the card and benefits. Some cards waive the first-year fee.
How do I report a lost or stolen Scapia Credit Card?
Call +91 22 1234 5678 for help. Or, log in online to block and get a new card.
Can I use my Scapia Credit Card for international transactions?
Yes, it works worldwide on Visa/ Mastercard. But, there's a fee of 2.5% to 3.5% per transaction.
How do I check my Scapia Credit Card statement?
Check online by logging in. Or, use the Scapia Federal Bank app. You can download e-statements.
What is the interest rate for Scapia Credit Card cash advances?
Cash advance interest is 18% to 24% per year. There's also a fee.
Can I request a credit limit increase for my Scapia Credit Card?
Yes, you can ask for a limit increase. Contact customer care or log in online. It depends on your credit and income.