UPI is how India pays – for groceries, splitting bills, and everything in between. And now, Scapia Pay brings all of that into the Scapia app. And if you're paying with your Scapia Co-branded RuPay Credit Card, every transaction over ₹500 earns you 5% rewards in Scapia Coins – that’s more coins going toward your next trip!
Here’s a quick low-down on everything you need to know about Scapia Pay.
What is Scapia Pay?
Scapia Pay is Scapia's UPI payments feature, built directly into the Scapia app. You can link your savings account and RuPay cards (including your Scapia Co-branded RuPay Credit Card) to make payments to friends, merchants, or apps, all without switching out of Scapia.
And if you’re looking to make the most out of your UPI transactions, simply pay with your Scapia Co-branded RuPay Credit Card. Every UPI payment over ₹500 earns you 5% rewards in Scapia Coins – meaning your UPI payments gets you closer to making your next trip happen!
How much do you earn?
Every UPI payment above ₹500 made through Scapia Pay with your Scapia Co-branded RuPay Credit Card earns you 5% rewards, as Scapia Coins that activate in your next billing cycle — and 5 Scapia Coins = ₹1 toward your travel.
P.S. New to Scapia Pay? Your first transaction with your Scapia Co-branded RuPay Credit Card gets you a welcome gift of 100 bonus Scapia Coins. So open the app and get QRious today!
Here's what that looks like in practice:
- Opt for UPI payment your ₹2,000 shopping bill → earn 100 Scapia Coins → ₹20 toward your next trip
- Pay ₹5,000 for a weekend dinner with friends → earn 250 Scapia Coins → ₹50 toward your next trip
The more you use UPI, the more your travel fund grows — without doing anything differently.
Linking your Scapia Co-branded RuPay Card takes one tap
There's no setup hassle. Scapia Pay includes a one-click RuPay credit card linking process. Simply open the app, link your Scapia Co-branded RuPay Credit Card, and you're ready to start earning on UPI payments.
Why should you give Scapia Pay a go?
Rewards sure are exciting, but there’s more to Scapia Pay that’s worth knowing about. We’ve built the app keeping safety, intuitiveness, and ease-of-use in mind:
- A proxy UPI ID: Your mobile number stays private during transactions. Instead of sharing your phone number, you transact through a custom UPI ID.
- Fraud controls built in: First-time payments are clearly flagged, and unusually high-value transactions trigger a heads-up prompt before you confirm. It's a second-check layer to make sure the money is going to the right person.
- Spend tracking by contact and merchant: See exactly how much you've paid to each person or merchant, in total, over time. Whether it's monthly rent, regular grocery runs, or periodic investments via brokerage apps, the view is consolidated and clear.
- Smart suggested contacts: If you pay someone around the same date every month, the app notices and surfaces that contact at the right time. That’s less scrolling and fewer mental reminders to keep track of!
- Favourites with tags: Mark your regular payees as favourites and add tags like "rent" or "meals" so you're never guessing who to pay.
Where do you redeem the Scapia Coins you earn?
Scapia Coins earned through Scapia Pay work exactly like Coins earned on card spends. Redeem them in the Scapia app against:
- Flights
- Hotels and stays
- Buses and trains
- Visas
- Experiences
- Scapia Store
There's no cap on how many you can use toward a booking. Accumulated enough to cover the full cost? It's yours, no cash out of your pocket. Coins are valid for 3 years from the earning date.
Want to know more about Scapia Coins? Read here.
The bigger picture
Think about what you spend on UPI in a month. Now imagine 5% of all of that working towards funding your next trip.
Scapia Pay is a great way to put your (already) existing UPI habits to work. Every grocery run, every payment to your family, and every bill-split with a friend can now build toward travel, one transaction at a time.
Looking for a card that will turn your everyday payments to travel?
