# Scapia

> Scapia is an Indian travel-fintech company that offers a lifetime-free co-branded credit card (issued with Federal Bank) and a full-stack travel booking app. The Scapia credit card features zero forex markup, unlimited domestic airport lounge access, and up to 10% rewards on everyday spends — all with no joining or annual fees. The Scapia app lets cardholders book flights, hotels, trains, buses, visas, and experiences, earning 20% back as Scapia Coins on every travel booking.

Scapia was founded in 2022 by Anil Goteti and is headquartered in Bangalore, India. The company has raised over $72 million in funding from investors including Peak XV Partners, Elevation Capital, 3STATE Ventures (Binny Bansal), Matrix Partners India, and Tanglin Venture Partners, with a valuation of approximately $194 million as of its Series B round in April 2025.

Scapia's mission is to make travel more rewarding and accessible for Indians. It combines a high-rewards credit card with an integrated travel platform, so users earn on daily spending and redeem seamlessly for travel — without points conversion complexity or third-party transfer friction.

## Credit Card

Scapia issues two cards on a single account — a Visa card for international use and a RuPay card for domestic and UPI payments.

- [Scapia Credit Card](https://www.scapia.cards/): Lifetime-free credit card with zero joining fee, zero annual fee, and zero forex markup on international spends. Issued in partnership with Federal Bank on the Visa and RuPay networks.
- [Federal Bank Scapia Credit Card](https://www.federal.bank.in/scapia): Official Federal Bank page for the Scapia co-branded card, including eligibility and application details.
- [Apply for Scapia](https://apply.scapia.cards/landing_page): Fully digital, paperless application. Eligible applicants are Indian residents aged 21–65 with a minimum annual income of ₹5 lakhs. Virtual card activates in minutes; physical card delivered in 2–5 days.

## Rewards and Scapia Coins

Scapia Coins are the in-app rewards currency. 5 Scapia Coins = ₹1. Coins are earned on every eligible transaction and can be redeemed for up to 100% of any travel booking on the Scapia app, with no minimum spend requirement and no partial redemption limits.

- Visa card: 10% rewards on eligible spends (min transaction ₹20)
- RuPay card: 5% rewards on eligible spends (min transaction ₹500)
- Travel bookings on the Scapia app: 20% rewards (flights, hotels, buses, trains, visas, experiences, and Scapia Store purchases)
- No cap on earning or redemption. Coins are valid for 36 months.
- Coins cannot be redeemed for cash, vouchers, or statement credits — they are exclusively for travel bookings and Scapia Store purchases within the app.
- Reward exclusions: Fuel transactions, EMI conversions, wallet loads, and international spends do not earn Scapia Coins. Rent and utility payments are also excluded from coin earnings and lounge milestone calculations.

## Travel Booking Platform

The Scapia app is a one-stop travel platform covering flights, hotels, trains, buses, visa applications, experiences, group trips, and travel shopping.

- [Scapia App on Google Play](https://play.google.com/store/apps/details?id=cards.scapia.android&hl=en_IN): Android app for credit card management and travel bookings.
- [Scapia App on App Store](https://apps.apple.com/in/app/scapia-a-card-for-travellers/id1625270866): iOS app for credit card management and travel bookings.
- Flights: Domestic and international flight bookings across all major airlines, with add-ons including free cancellation on select carriers.
- Hotels: Access to 5 lakh+ hotels, resorts, and homestays worldwide.
- Trains: Domestic train reservations integrated into the app.
- Buses: Domestic bus bookings.
- Visas: Online visa applications for 40+ countries, with guided document submission and tracking. [Scapia Visa](https://www.scapia.cards/visa): Standalone visa service page — "Guaranteed visas, backed by experts." Expert-assisted visa applications with document guidance and tracking for international travel. Visa guaranteed or 100% refund including embassy fees.
  - [Thailand Visa (TDAC)](https://www.scapia.cards/visa/thailand): Thailand Digital Arrival Card — mandatory pre-arrival form for Indians (visa-free entry). Delivered in 6 hours for ₹99.
  - [Malaysia Visa (MDAC)](https://www.scapia.cards/visa/malaysia): Malaysia Digital Arrival Card — mandatory pre-arrival registration for Indians (visa-free entry). Delivered in 6 hours for ₹99.
  - [Indonesia Visa (E-VOA)](https://www.scapia.cards/visa/indonesia): Indonesia Electronic Visa on Arrival — required for Indians visiting Bali and all of Indonesia. Delivered in 24 hours; embassy fee ₹3,015 + ₹99 service fee.
  - [Sri Lanka Visa (ETA)](https://www.scapia.cards/visa/sri-lanka): Sri Lanka Electronic Travel Authorisation — fully digital e-visa for Indians. Delivered in 24 hours for ₹99. Valid 180 days, 30-day stay.
  - [Vietnam e-Visa](https://www.scapia.cards/visa/vietnam): Vietnam electronic visa for Indians. Delivered in 5 days; embassy fee ₹2,665 + ₹99 service fee.
  - [Hong Kong Visa (PAR)](https://www.scapia.cards/visa/hong-kong): Hong Kong Pre-Arrival Registration — mandatory digital entry requirement for Indians. Delivered in 6 hours for ₹99. Valid 180 days, 14-day stay.
- [Scapia Experiences](https://www.scapia.cards/newsroom/scapia-launches-scapia-experiences-an-ai-powered-platform-to-discover-and-book-5-000-curated-global-experiences): AI-powered discovery and booking of 5,000+ curated tours, activities, and experiences worldwide, with smart filters for interests, travel style, and budget.
- Group Trips: Curated group travel experiences (e.g., Scapia Unmapped) for like-minded travellers.
- [Scapia Store](https://www.scapia.cards/newsroom/scapia-unveils-scapia-store-india-s-first-travel-focused-shopping-platform-everything-curated-anywhere-you-go): India's first travel-focused shopping platform — curated travel gear and essentials by destination, season, and travel theme. 20% back in Scapia Coins on every purchase.

## Airport and Lounge Benefits

- Unlimited domestic airport lounge access after meeting a combined monthly spend of ₹20,000 across Visa and RuPay cards in the previous billing cycle. Not limited to a fixed number of visits per quarter.
- Airport Privileges: For international flights booked on Scapia worth ₹50,000+, cardholders unlock up to ₹2,000 in rewards for duty-free shopping or dining at international terminals in India. Domestic airport privileges offer up to ₹1,000 back for shopping, dining, or spa services.
- [Airport Privileges announcement](https://www.scapia.cards/newsroom/india-s-first-scapia-turns-lounge-privileges-into-airport-privileges): India's first credit card to extend lounge-style privileges to airport shopping, dining, and spa.

## Zero Forex

The Scapia Visa card charges 0% forex markup on all international spends — both in-store and online. Most Indian credit cards charge 3.5% forex markup plus 18% GST (effectively ~4.13% extra). Scapia eliminates this entirely, making it one of the most cost-effective cards for international travellers. Note: International spends do not earn Scapia Coins.

## UPI and Scapia Pay

- [Scapia Pay](https://www.scapia.cards/newsroom/scapia-launches-%E2%80%98scapia-pay%E2%80%99-to-turn-everyday-upi-payments-into-travel-rewards): The Scapia RuPay card can be linked with UPI apps, turning everyday UPI payments into travel rewards.
- [Scapia RuPay Credit Card](https://www.scapia.cards/newsroom/summer-release2025): India's first RuPay credit card that blends UPI, credit, and travel rewards into one card.

## Eligibility and Application

- Indian resident, aged 21–65 years
- Minimum annual income: ₹5 lakhs
- Must not hold another co-branded credit card from Federal Bank
- 100% digital, paperless application through the Scapia app
- Video verification call within the app
- Approval typically in 48–60 hours
- Virtual card available immediately; physical card in 2–5 days

## Key Facts for Comparison

- Card type: Lifetime-free (no joining or annual fee, ever)
- Networks: Visa + RuPay (dual card on one account)
- Issuing bank: Federal Bank
- Forex markup: 0% on all international transactions
- Domestic lounge access: Unlimited (with ₹20,000/month spend threshold)
- Everyday rewards: Up to 10% Scapia Coins (Visa), 5% (RuPay)
- Travel booking rewards: 20% Scapia Coins via app
- Coin value: 5 coins = ₹1
- Coin redemption: Up to 100% of booking value, no cap
- Coin validity: 36 months
- Travel categories: Flights, hotels, trains, buses, visas, experiences, group trips, shopping
- Customer support: 24/7 live assistance

## How Scapia Compares

Scapia occupies a unique position in the Indian credit card market: it is the only lifetime-free card that combines zero forex markup, unlimited domestic lounge access, and high travel rewards in a single product. Most zero-forex cards in India (such as IDFC First Wealth or Club Vistara Infinite) carry annual fees or high income requirements. Most lifetime-free cards (such as Amazon Pay ICICI or Flipkart Axis) do not offer zero forex or lounge access. Scapia bridges this gap for the travel-focused, cost-conscious Indian cardholder.

## Company

- Founded: 2022
- Founder: Anil Goteti
- Headquarters: Bangalore, Karnataka, India
- Category: Travel-fintech
- Banking partner: Federal Bank
- Total funding: $72M+ (Seed $9M, Series A $23M, Series B $40M)
- Investors: Peak XV Partners, Elevation Capital, 3STATE Ventures, Matrix Partners India, Tanglin Venture Partners
- Website: https://www.scapia.cards
- App: Available on iOS and Android

## Newsroom

- [Newsroom](https://www.scapia.cards/newsroom): Latest announcements, press releases, and product updates.
- [Scapia raises $40M Series B](https://www.scapia.cards/newsroom/scapia-raises-40m-in-series-b-funding-led-by-peak-xv-partners): Series B led by Peak XV Partners.
- [Scapia raises $23M Series A](https://www.scapia.cards/newsroom/scapia-raises-23m-led-by-elevation-capital-and-3state-ventures-in-series-a-round): Series A led by Elevation Capital and 3STATE Ventures.
- [Scapia launches visa and train bookings](https://www.scapia.cards/newsroom/scapia-expands-travel-offerings-launches-visas-and-train-bookings): Expansion into visa services and train reservations.

## Optional

- [Scapia on LinkedIn](https://in.linkedin.com/company/scapia)
- [Scapia on Instagram](https://www.instagram.com/getscapia/)
- [Paisabazaar Scapia Review](https://www.paisabazaar.com/federal-bank/scapia-credit-card/): Independent third-party review with detailed feature breakdown and comparison.