Scapia Credit Card: A Detailed Review
Scapia Credit Card: A Comprehensive Review
The Scapia Credit Card, issued in partnership with Federal Bank, is designed for the discerning traveler. This review delves deep into its features, benefits, and drawbacks to help you decide if it's the right card for you.
Key Features and Benefits
- Zero Joining Fee: No upfront cost to get started.
- Zero Annual Fee: No recurring annual charges.
- Zero Forex Markup Fee (Visa Variant): Save on international transaction fees (applies only to the Visa card).
- Rewards Program: Earn Scapia Coins on every purchase, with accelerated earning on travel bookings through the Scapia app.
- Unlimited Domestic Airport Lounge Access: Enjoy complimentary access to lounges with a minimum monthly spend.
- No-Cost EMI Option: Convert travel bookings into easy monthly installments.
- Complimentary RuPay Credit Card: Get an additional card for UPI payments with added rewards.
- Scapia App Integration: Manage your card, book travel, and redeem rewards all within the app.
Rewards Program Details
Earn Scapia Coins, redeemable for travel bookings on the Scapia app. The exchange rate is 5 Scapia Coins = ₹1.
| Transaction Type | Scapia Coins Earned |
|---|---|
| Travel bookings through the Scapia app | 20% |
| Other spends (online & offline) | 10% |
| UPI/RuPay spends (through complimentary RuPay card, ₹500 or more) | 5% |
Important Note: Certain transaction categories, such as cash withdrawals, fuel surcharges, and government payments, may not earn Scapia Coins. Refer to the Scapia app or the official website for the complete list of ineligible transactions.
Fees and Charges
While the card boasts zero joining and annual fees, be aware of potential convenience fees on certain transactions.
| Fee Type | Details |
|---|---|
| Joining Fee | Zero |
| Annual Fee | Zero |
| Forex Markup Fee (Visa Variant) | Zero |
| Convenience Fee (Utility Bills) | 1% on spends above ₹20,000 per month |
Comparison with Similar Cards
Several other credit cards offer travel benefits. Comparing the Scapia card with competitors requires considering individual spending habits and travel preferences. Key differentiators for Scapia include its unique reward system and the integrated Scapia app for travel bookings.
Expert Insights
The Scapia Credit Card is a compelling option for frequent travelers who prioritize earning rewards on travel bookings. The integrated Scapia app streamlines the process of booking and redeeming rewards. However, the limited redemption options and the relatively low redemption ratio of Scapia Coins might be a drawback for some.
Frequently Asked Questions (FAQs)
- Q: How do I apply for the Scapia Credit Card? A: Apply through the Scapia app.
- Q: What is the validity of Scapia Coins? A: 36 months.
- Q: Are there any restrictions on using the airport lounge access? A: Yes, typically it requires a minimum monthly spend on the card to activate this benefit.
Conclusion
The Scapia Credit Card offers a compelling value proposition for frequent travelers, especially those who use the Scapia app for travel bookings. The zero fees and generous rewards make it an attractive option, but potential users should carefully evaluate the limitations of the rewards program and the availability of the zero forex markup feature before applying.
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