Scapia vs Amex Platinum Travel
Scapia is better for upi scan & pay, bills & recharges, travel & flights, while Amex Platinum Travel wins on online shopping, groceries, food delivery & dining. Scapia is cheaper to keep (lifetime free).
Scapia
Scapia Credit Card
•••• 3382Visa / RuPay
American Express
Amex Platinum Travel Credit Card
•••• 8940Amex
| Scapia Credit Card | Amex Platinum Travel Credit Card | |
|---|---|---|
| Issuer | Federal Bank / Axis Bank / BOBCARD | American Express |
| Network | Visa / RuPay | Amex |
| Best for | Travel & zero forex | Travel milestones |
| Headline benefit | 0% forex | Taj voucher at ₹7L |
| Joining fee | Free | ₹3,500 |
| Annual fee | Free | ₹5,000 |
| Fee waiver | Not needed | None |
| Works on UPI | Yes | No |
| Lounge access | Unlimited domestic (on ₹20k monthly spend) | 8 domestic / year (spend-based) |
| Online shopping rewards | 2% | 2.5% |
| Groceries rewards | 2% | 2.5% |
| Food delivery & dining rewards | 2% | 2.5% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | 1% | – |
| Bills & recharges rewards | 2% | – |
| Travel & flights rewards | 4% | 2.5% |
| Everything else rewards | 2% | 2.5% |
| Apply now | Apply now |
Choose Scapia if…
- Zero forex markup, ideal for trips abroad
- Lifetime free
- Unlimited domestic lounges
Watch out for
- Coins only redeem on travel via the Scapia app
- Lounge access needs ₹20k monthly spend
- International spends earn no coins
Choose Amex Platinum Travel if…
- Big milestone rewards for high spenders
- Domestic lounge access
- Taj voucher at ₹7 lakh
Watch out for
- Milestones were cut in Sep 2026
- Lounge access now needs ₹1 lakh quarterly spend
- Little value below ₹4 lakh yearly spend
Verdict
Scapia is better for upi scan & pay, bills & recharges, travel & flights, while Amex Platinum Travel wins on online shopping, groceries, food delivery & dining. Scapia is cheaper to keep (lifetime free). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.