Scapia Credit Card Review 2026 – Lifetime Free, Zero Forex, Unlimited Lounge & ₹1,000 Off Your First Flight

Q: How do I get ₹1,000 off on my first flight with Scapia?

Sign up through this Scapia referral link and book your first flight on the Scapia app within your first month.

By Offers Superfast · Published 4 Nov 2026 · Updated 4 Nov 2026 · 6 min read

Scapia Credit Card Review – Offers Superfast

Agar aap saal mein kuch baar bhi flight lete ho, the Scapia credit card is worth a look. It is a lifetime free travel credit card – no joining fee, no annual fee – with unlimited domestic airport lounge access, new airport privileges (free dining, shopping or spa at the airport – from a coffee to headphones) and zero forex markup when you spend abroad.

Best part: when you sign up through our Scapia referral link, you get ₹1,000 off your first flight. Just book any time in your first month.

Apply for Scapia Card – Get ₹1,000 Off Your First Flight →

Facts checked on Scapia’s and Federal Bank’s official pages on 4 Nov 2026. Offers and terms can change – please check the latest terms in the Scapia app before applying.

What is the Scapia credit card?

Scapia is a travel-focused credit card app from Bengaluru. The card is issued with partner banks – the Scapia Federal Bank credit card and the Scapia BOBCARD. You get a Visa card and can also get a RuPay card, which works for UPI payments. Everything – bills, limits, rewards and travel bookings – is managed inside the Scapia app.

Scapia card benefits at a glance

Feature	Details
Joining fee	₹0
Annual fee	₹0 (lifetime free)
Forex markup	0% on international transactions
Rewards on Visa spends	10% back as Scapia Coins on eligible spends
Rewards on RuPay / UPI	5% Scapia Coins on eligible spends of ₹500 or more
Travel booked on Scapia app	20% Scapia Coins
Coin value	5 Scapia Coins = ₹1
Domestic lounge	Unlimited, after ₹20,000 spend in the previous billing cycle
Referral offer	₹1,000 off your first flight (book within first month) via this link

1. Unlimited domestic lounge access

This is the main reason people take the Scapia card. You get unlimited complimentary access to domestic airport lounges in India. The condition: spend ₹20,000 in a billing cycle (Visa and RuPay spends are added together if you have both). The benefit then unlocks from your next statement date. Note that this is for domestic lounges only, and the free access is for the cardholder.

2. New airport privileges – eat, shop or spa for free

Lounge mein nahi jaana? No problem. With Scapia Airport Privileges you can instead spend at an airport restaurant, store or spa with your Scapia card and get up to ₹1,000 back as rewards (smaller, non-metro airports may give up to ₹500). It works at 100+ domestic airports – so a coffee, a meal, a spa session or even headphones can come free. Activate it in the Scapia app before you spend at the airport. It unlocks on the same ₹20,000 monthly spend.

Scapia also has international airport privileges for duty-free shopping or dining at international terminals in India, linked to international flight bookings on the Scapia app – check the current booking amount in the app.

Get Scapia Card – Lifetime Free →

3. Zero forex markup

Most cards add around 2–3.5% on every foreign transaction. Scapia charges zero forex markup, so you pay what the merchant charges when you shop on international websites or swipe abroad. Great for foreign trips and for buying from global sites.

4. Rewards – how much do you really earn?

Scapia shows rewards as 20% / 10% / 5% in Scapia Coins. Since 5 coins = ₹1, the real value is:

Travel booked on the Scapia app: 20% coins = about 4% value.
Other Visa spends: 10% coins = about 2% value.
RuPay / UPI spends of ₹500+: 5% coins = about 1% value.

Coins can be used for flights, hotels, trains and buses on the Scapia app – even up to 100% of the booking value, with no minimum. Coins are not earned on fuel, rent, ATM cash withdrawals, card bill payments, fees or forex transactions.

Scapia credit card eligibility

Resident Indian citizen.
Age 21 to 65 years if salaried, 25 to 65 years if self-employed (Federal Bank card).
Final approval and credit limit depend on the bank’s checks.

How to apply and get ₹1,000 off your first flight

Open our Scapia referral link on your phone.
Download the Scapia app and finish the sign-up with your mobile number and KYC.
Once your card is approved, book your first flight on the Scapia app within the first month to get ₹1,000 off.
Start using the card – spend ₹20,000 in a billing cycle to unlock unlimited lounges and airport privileges.

Apply for Scapia Card – Get ₹1,000 Off Your First Flight →

Who should take the Scapia card?

Good for: people who fly within India a few times a year, students or families travelling abroad (zero forex), and anyone who wants a no-fee card with lounge access.
Think twice if: you won’t reach ₹20,000 monthly spend (lounge and airport privileges need it), or you don’t want to book travel through the Scapia app (rewards are redeemed there).

Our verdict

For a lifetime free card, Scapia gives a lot: zero forex, unlimited domestic lounges and the new free airport dining/shopping/spa privileges. If you travel even a few times a year, it’s an easy card to keep in your wallet – and with our link you start with ₹1,000 off your first flight.

Looking for more savings? See our Credit Cards offers, Today’s Deals and Coupons.

Disclaimer: This page contains a referral link; we may get a benefit if you sign up. Card features, reward rates, lounge conditions and the ₹1,000 offer are set by Scapia and its partner banks and can change at any time. Please read the latest terms on the Scapia app before applying.

Frequently asked questions

Is the Scapia credit card lifetime free?

Yes. There is no joining fee and no annual fee.

How do I get ₹1,000 off on my first flight with Scapia?

What is the spend condition for Scapia lounge access?

You need to spend ₹20,000 in a billing cycle (Visa and RuPay combined). Unlimited domestic lounge access then unlocks from your next statement date.

Does Scapia give international lounge access?

No, the unlimited lounge benefit is for domestic lounges in India. Scapia offers separate international airport privileges for dining or duty-free shopping, linked to international flights booked on its app.