by Federal Bank / Axis Bank / BOBCARD · Updated October 2026
Lifetime free travel card with zero forex markup and unlimited domestic lounges.
You'll apply on the official Scapia page. We never ask for your details.
0% forex markup on international spends
20% Scapia Coins (~4%) on travel booked in the Scapia app
10% Scapia Coins (~2%) on other spends
Unlimited domestic lounge access
Lounge access requires ₹20,000 spend in the month. Coins redeem only on travel bookings in the Scapia app. International spends don't earn coins.
Approximate value back on every ₹100 you spend.
The Scapia Credit Card is worth it if you spend a lot on travel & flights (4%) and online shopping (2%). Since it's lifetime free, every rupee of reward is pure gain, so it's worth keeping even as a backup card. It's less suitable if coins only redeem on travel via the Scapia app.
Featured in: Best Credit Cards in India · Best Lifetime Free Credit Cards in India · Best Credit Cards for UPI Payments (RuPay) · Best Travel Credit Cards in India · Best First Credit Cards for Beginners
Compare: Scapia vs Amex Platinum Travel
21–60 years (salaried), up to 65 (self-employed)
~₹40,000/month (approx.)
750+ gives the best approval chances
PAN, Aadhaar, and recent salary slips or ITR
The Scapia Credit Card is lifetime free, with no joining or annual fee.
Yes. The Scapia Credit Card is available on RuPay, so you can link it to UPI apps like GPay, PhonePe and Paytm and pay at any merchant QR code.
Yes: Unlimited domestic (on ₹20k monthly spend). Lounge rules can change, so check current terms with the issuer.
It's best for travel & zero forex. Lifetime free travel card with zero forex markup and unlimited domestic lounges.
Approximately ~₹40,000/month, though the issuer makes the final decision based on your credit profile.
Axis Bank
YES Bank / AU / PNB
ICICI Bank