Base reward rate: Up to 4% effective return on travel via Scapia app; 2% on general spends (Visa); 1% on UPI spends (RuPay)
Redemption options: Scapia Coin
Redemption value: 1 Pt = ₹0.20
Fees & Charges
Joining fee: 0
Annual fee: 0
Pros
Offers a 0% foreign currency markup fee, a premium feature that provides significant savings on international transactions compared to the typical 2-3.5% charged by other cards.
Provides a very high base reward rate of 2% (as 10 Scapia Coins per ₹100) on most domestic spending, which is double the typical 1% return offered by comparable lifetime-free cards.
Features an accelerated reward rate of 4% (as 20 Scapia Coins per ₹100) on all flight and hotel bookings made via the Scapia app.
Completely lifetime-free with a ₹0 joining fee and ₹0 annual fee, making its premium travel features highly accessible.
Grants unlimited domestic airport lounge access, a rare benefit for a no-fee card, activated by meeting a spending threshold.
Cons
The unlimited domestic lounge access is conditional and requires a minimum spend of ₹20,000 in the previous quarter to be activated, making it inaccessible for low spenders.
A wide range of common spending categories are excluded from earning rewards, including fuel, utilities, rent, insurance, and education fees, limiting its effectiveness for everyday household expenses.
Best Use Case
Frequent travelers seeking a lifetime free card with zero forex markup and accelerated rewards on travel bookings.