Base reward rate: Earn 10% Scapia coins on regular spends and 20% on travel bookings via the Scapia app.
Redemption options: travel_bookings
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 saves the typical 2.5-3.5% on all international transactions, which is exceptional for a no-annual-fee card.
Provides a high effective reward rate of 4% (as 20 Scapia Coins per ₹100) on travel bookings made via the Scapia app and 2% (as 10 Scapia Coins per ₹100) on other eligible spends.
Grants unlimited domestic airport lounge access after spending ₹10,000 in a statement cycle, a benefit rarely offered on lifetime-free cards which typically provide limited, quarterly access.
Comes with ₹0 joining and ₹0 annual fees, making it a completely cost-free card to hold for its travel-centric benefits.
Unlocks complimentary dining and spa services at select domestic airports as a milestone benefit, activated by the same ₹10,000 monthly spend required for lounge access.
Cons
Reward points (Scapia Coins) are exclusively redeemable for flight and hotel bookings on the Scapia app, offering no flexibility for statement credit, cash, or vouchers from other brands.
The rewards program has a 5:1 redemption ratio (5 coins = ₹1), which means the headline '20% coins' on travel translates to an effective value of 4%, and the '10% coins' on regular spends is effectively 2%.
The card provides no complimentary or even paid access to international airport lounges, a notable omission for a card specifically targeting travellers.
Best Use Case
Frequent travelers seeking zero forex markup, unlimited domestic lounge access, and high rewards on travel bookings without annual fees.