👉 Click here to apply for Scapia Credit Card — no joining fee, no annual fee, lifetime free.
If you’re looking for a real Scapia Card review, you’re in the right place.
I’m not here to just list features from the brochure. I’ve actually used the Scapia Credit Card on my recent trips to Thailand and Doha, and here’s the truth: it saved me over ₹10,000 in just one holiday.
From zero forex markup on my international spends to airport lounge access, from earning coins that paid for hotel nights to a travel-friendly iOS app — Scapia surprised me at every step.
Let me break it down.
Why This Scapia Card Review Matters
There are dozens of credit cards in India marketed as “travel cards.” Most come with hidden fees, complicated reward structures, or annual charges you’ll never fully recover.
Scapia is different.
- No joining fee. No annual fee. Lifetime free.
- Zero forex markup on all international transactions.
- Airport privileges: unlimited domestic lounge access (with monthly spend) plus the option to use benefits on dining, spa, or shopping instead.
- Scapia Coins: easy to earn, easy to redeem directly for flights, hotels, trains, and buses.
- Clean, modern iOS/Android app that puts travel front and center.
This isn’t just marketing talk — I tested all of these benefits in real travel scenarios.
How I Saved ₹10,000+ on My Last Trip
Here’s how the math worked out on my Thailand + Doha holiday:
- Zero forex markup → On flights, hotel bookings, shopping, and meals abroad, I avoided the usual 3.5%–4% forex fee. That alone saved me about ₹6,000.
- Airport privileges → Instead of paying ₹800–₹1,000 per lounge visit or overpriced meals, I got lounge access and dining reimbursements covered by Scapia. Over three trips, that saved me ₹2,000+.
- Scapia Coins redemption → I earned coins on every transaction, and redeemed them for hotel stays on my return leg. That covered about ₹2,500 worth of bookings.
👉 Total benefit = ₹10,500 saved in just one trip.
Lounge Access & Airport Privileges
Most cards only offer lounge access. Scapia goes further.
- Spend ₹10,000 in a billing cycle (on the VISA variant) and you unlock unlimited domestic lounge access for the next month.
- Don’t want the lounge? You can instead choose dining, spa, or shopping at the airport — all reimbursed in Scapia Coins.
When I was flying Bangkok → Doha → India, I used the dining option at the airport for a nice meal, got reimbursed in coins, and still relaxed before my flight. At domestic legs in India, I opted for lounge access.
That flexibility is what makes Scapia stand out.
Rewards & Scapia Coins
Rewards are where Scapia shines:
- 10% Scapia Coins on all spends (worth ~2%).
- 20% Scapia Coins on travel bookings made via the Scapia app.
- No cap on coin earning.
- Redeem coins 100% for flights, hotels, buses, trains, and more inside the app.
During my trips, I booked hotels and a domestic flight using coins I earned earlier. That’s real value — not locked-in vouchers with expiry traps.
The Scapia iOS App: Smooth, Transparent & Travel-First
A card is only as good as the app behind it. And here’s where Scapia feels premium.
- Clean UI: Minimal, modern design — feels like a travel app, not a clunky banking app.
- Transparent spends: Each transaction clearly shows merchant, category, coins earned, and cost.
- Travel bookings: Flights, hotels, trains, buses, and even visas can be booked directly from the app. You can pay entirely with Scapia Coins if you have enough.
- EMI options: For big bookings like international flights, you can split payments into EMIs directly inside the app.
On iOS, the experience was fluid — no lag, no confusion, no fine print buried in 10 menus.
Fees & Charges: Lifetime Free
This is the kicker.
Unlike most travel credit cards that charge ₹3,000–₹10,000 annually, the Scapia Credit Card is:
- Zero joining fee
- Zero annual fee
- Lifetime free
That means you can keep this card forever without worrying whether your usage justifies the fee.
Downsides (So This Review Stays Honest)
No card is perfect, and Scapia has a few caveats:
- Domestic lounge access only — doesn’t cover international lounges yet.
- Monthly spend condition — you need to spend ₹10,000 in a billing cycle to unlock privileges (fair, but worth noting).
- Redemptions limited to Scapia app — coins can’t be transferred to airline/hotel loyalty programs.
But honestly, for a lifetime free card, these are small trade-offs compared to the benefits.
Final Verdict: Scapia Card Review
If you travel often — even just a few times a year — the Scapia Credit Card is a no-brainer.
- I saved more than ₹10,000 on one trip.
- I enjoyed lounge access, free meals, and flexible airport privileges.
- I booked hotels and flights with Scapia Coins.
- I managed everything smoothly from the iOS app.
- And I paid zero fees to own the card.
For me, this is hands down the best no-fee travel card in India right now.
