Scapia Credit Card

About Scapia Credit Card

Are you tired of credit cards that promise the world but charge you just for holding them? The Scapia Credit Card changes that narrative by offering a straightforward, zero-cost entry into the world of travel rewards.

This card is built for those who want to turn their everyday spends into travel memories without worrying about monthly or yearly overheads. With a 0 joining fee and 0 annual fee, the Scapia Credit Card ensures that every bit of value you earn stays with you. If you are a professional earning at least ₹35,000 a month, this card could be your simplest ticket to a subsidized vacation.

By focusing on a digital-first approach through its dedicated app, Scapia caters to a demographic that values speed and clarity. Whether you are booking a weekend getaway or a long-distance flight, the redemption process is designed to be as direct as possible. You are not just getting a piece of plastic; you are getting a travel tool that works as hard as you do.

What sets it apart:

• Truly Free Forever: Unlike many competitors that hide fees behind spending milestones, Scapia has no joining or annual charges, period.
• Fixed Redemption Value: 1 Scapia Coin is worth exactly ₹0.20, providing a clear understanding of your savings without complex math.
• No-Fuss Eligibility: With a minimum monthly income requirement of ₹35,000 and a CRIF score of 720, it is accessible to most mid-level salaried professionals.

Quick check: To qualify, you will need to be between 21 and 65 years old with a steady monthly income and a solid credit history. Let's look at why this card deserves a spot in your wallet.

Key Benefits and Features of Scapia Credit Card

The Scapia Credit Card is designed to reward your lifestyle choices, particularly if those choices involve exploring new places. Here is a breakdown of what you get when you sign up and start swiping:

The Scapia Coin System

The heart of this card lies in its reward structure. Instead of traditional points that might expire or carry confusing values, you earn Scapia Coins. These coins have a transparent value where 1 Scapia Coin equals ₹0.20. You can use these coins to pay for hotel stays or flight tickets directly through the Scapia app. This direct redemption means you don't have to wait for physical vouchers or transfer points to external partners.

Zero Entry and Maintenance Cost

One of the most attractive features is the fee structure. There is no joining fee to get started, and there are no annual or renewal fees to keep the card active. This makes it an "all-gain, no-pain" financial product. Even if you don't use the card for a few months, you aren't penalized with a maintenance charge, making it an excellent secondary card for your wallet.

Welcome and Activation Benefits

To start your journey on the right note, Scapia offers welcome benefits, but there is a specific rule you must follow. You need to activate your card by making a transaction of at least ₹1 within the first 30 days of getting the card. If you miss this window, you lose out on the initial benefits. This simple step ensures your card is secure and ready for larger transactions.

Income and Age Eligibility

The card is positioned for the working class and self-employed individuals.

• For Salaried Individuals: You should be between 21 and 65 years of age. The minimum monthly income required is ₹35,000.
• For Self-Employed Individuals: The age bracket remains 25 to 65 years.
• Credit Score: A CRIF score of 720 or higher is required to ensure a smooth approval process.

Understanding Spends and Exclusions

While the card is great for rewards, it is important to know where you will not earn Scapia Coins. The bank excludes certain categories to prevent misuse of the rewards system. You will not earn coins on:

• Rent payments and money transfers
• Cash withdrawals from ATMs
• EMI transactions and gift card purchases
• Forex transactions (Note: While you can spend internationally, these specific spends don't earn coins)
• School and educational fees
• Fuel purchases and fuel surcharges
• Digital wallet top-ups
• Utility, telecom, and cable bills that exceed ₹20,000 in a single statement month

How to Apply?

The application process for the Scapia Credit Card is predominantly digital and straightforward. Follow these steps to get your card:

1. Check Your Eligibility: Before starting, ensure your monthly income is at least ₹35,000 and your credit score is healthy (around 720).
2. Download the Scapia App: Most applications are processed through the mobile application. Ensure you have your mobile number linked to your Aadhaar for quick verification.
3. Enter Personal Details: Fill in your name, age (must be 21-65), and current residential address.
4. Employment Verification: Provide your employment details. If you are self-employed, you may need to provide business details as the age criteria starts from 25 years for this category.
5. Complete KYC: The process involves a mandatory Video KYC (Know Your Customer) step where you will need to show your original PAN card to a bank representative over a video call.
6. Final Approval: Once the bank verifies your documents and credit score, you will receive a notification regarding your card approval and the assigned credit limit.
7. Card Activation: After receiving the digital or physical card, make a transaction of ₹1 or more within 30 days to stay eligible for welcome perks.

Credit Limit: What to Expect

Credit limits for the Scapia Credit Card are not fixed and vary from one applicant to another. The bank determines your limit based on several factors:

• Monthly Income: Since the minimum requirement is ₹35,000, those with higher documented income often receive higher limits.
• Credit History: A CRIF score of 720 is the baseline, but a higher score or a history of timely repayments on other cards can result in a more generous limit.
• Existing Debt: The bank looks at your current EMI burdens to ensure you can comfortably manage the new credit line.

If you find your initial limit is lower than expected, consistent usage and timely repayments trigger an automatic limit increase offer within 6 to 12 months.

Comparison Table: Scapia vs. Competitors

To understand where Scapia stands, we have compared it with other popular zero-fee or travel-centric cards in the Indian market.

If your primary goal is to save on travel without any complex point conversion charts, Scapia is the clear winner. While IDFC First Select offers a higher point value, it often comes with more stringent eligibility and a wider range of non-travel categories. Scapia's 1-coin-to-₹0.20 ratio is easy to track and use for anyone who prefers booking through a dedicated travel app.

Documents Required for Scapia Credit Card Application

To ensure a smooth application process, keep the following documents ready. While the process is digital, you may need to upload scans or show originals during Video KYC.

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Passport.
• Address Proof: Aadhaar Card, Utility Bills (last 2 months), or Rent Agreement.
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements showing salary credit.
• Employment Proof: Employee ID card or an official appointment letter.

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory) and Aadhaar Card.
• Address Proof: Aadhaar Card or Property Documents.
• Income Proof: Latest 2 years' ITR (Income Tax Returns) along with a computation of income.
• Business Proof: GST registration certificate or a Shop Act License.

Note: All documents should be clear and valid. You must provide additional proof if your current residence differs from your permanent address.

Who Should Get This Card?

The Scapia Credit Card isn't for everyone, but it fits perfectly for certain types of spenders. Should you get it? Here is who benefits most:

The "Weekend Wanderer" Professional
If you are a salaried professional earning ₹40,000 to ₹50,000 a month and you enjoy taking short trips every few months, this card is a great fit. You can use it for your daily groceries and dining, and then use those coins to get a free hotel stay for your next trip. Since there are no annual fees, your rewards are pure profit.

The "Simplicity Seeker"
If you hate calling customer care to redeem points or browsing through bulky reward catalogues for items you don't need, you will love Scapia. You spend, you get coins, and you use those coins to pay for your flight. It is as simple as using a debit card but with the benefits of a credit card.

The Secondary Card Holder
Perhaps you already have a cashback card for Amazon or Flipkart. Scapia makes an excellent secondary card. You can use it for spends that aren't covered by your primary card's accelerated categories. Because it costs nothing to keep, it helps your credit age and total available credit without any financial burden.

You might want to skip this card if...
You are looking for heavy rewards on rent or fuel. Since these are excluded, big spenders in these categories won't see much value. Similarly, if you want a card that offers movie tickets or dining discounts specifically, a lifestyle-focused card like the Swiggy HDFC or HSBC Live+ might serve you better.

BankKaro Expert Review

In my years of reviewing financial products, I have seen many "travel" cards that are actually just high-fee lifestyle cards in disguise. The Scapia Credit Card is refreshing because it doesn't pretend to be anything other than a simple, free travel reward tool.

The biggest strength of this card is the zero-fee structure combined with a decent redemption rate. For a card that costs nothing, getting a 20-paise value per coin is competitive. Most "free" cards in the market offer much lower reward rates or make you jump through hoops to redeem them. The app-integrated booking system is smooth and removes the friction often associated with legacy bank portals.

However, the biggest limitation is the extensive exclusion list. By removing rent, fuel, and education, Scapia has carved out a lot of "heavy" spending categories. This means you have to rely on shopping, dining, and general travel spends to accumulate coins. Also, the ₹20,000 cap on utility rewards is a bit restrictive for large households.

Our verdict: Choose the Scapia Credit Card if you want a zero-maintenance card that builds up travel funds in the background. It is a fantastic "starter" travel card or a reliable "backup" card for any wallet. Just make sure to make that first ₹1 transaction within 30 days, or you'll miss the starting perks!

Terms and Conditions

Before you apply, please keep these specific terms in mind as provided by the bank:

• The bank reserves the right to offer a different variant of the Scapia Credit Card based on your individual eligibility and credit profile.
• Always review the specific features and benefits of the card issued to you before completing the final application steps.
• Mandatory Activation: To earn Scapia Coins and keep your welcome benefits, you must make a minimum transaction of ₹1 within 30 days of the card being issued. Failure to do so will result in the loss of welcome benefits.
• Utility, telecom, and cable spends are eligible for rewards only up to a total spend of ₹20,000 in a statement month. Any amount spent beyond this will not earn coins.
• Transaction reversals or refunds will result in the proportional deduction of Scapia Coins from your account.

The full, legally binding list of terms is accessible directly via the Scapia app's settings menu.