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DATA-BACKED CARD REVIEW

Scapia Co-Branded Credit Card: the fit matters more than the headline.

Scapia Co-Branded Credit Card is listed in CreditCardWallah’s approved directory with an issuer or programme source, review date and practical caution. This page helps you compare the current directory terms with your own spend, fee tolerance, eligibility and use case before you apply.

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CREDITCARDWALLAH SCORECARD

The six dimensions behind this score.

Each parameter is scored out of 10. The final score uses the approved weighted model shown in Methodology.

Rewards 7.0/ 10
Travel 8.2/ 10
Fee 9.5/ 10
Flexibility 6.6/ 10
Overall Value 7.8/ 10
Access & Service 7.3/ 10

BEST FOR

Users whose spending, fees and eligibility match the card’s current benefits.

Airport Privileges: Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending ₹20,000 every preceding month. Zero joining and annual fees. Compare the card’s features, rewards, caps, geographical constraints and annual fees with your own use case before applying.

NOT IDEAL FOR

Read the boundary, not only the benefit.

• You don't want your cash redemptions locked into a specific app ecosystem. • You rarely spend on travel or UPI. • You fall outside the age/residency limits.

TERMS AT A GLANCE

Use the Features, Rewards, Cap, Geographical constraint and Annual fees for final decision.

Annual fee
• Base Fee: Lifetime Free
Rewards and cap
10% reward on every eligible online and offline spend on VISA; 5% reward on all eligible UPI, online and offline spend of ₹500 or more on Rupay. Instant redemption on flights, hotels and buses on the Scapia app, at 1 reward = 1 Scapia Coin.
Eligibility
• Salaried age 21–65 or self-employed age 25–65 • Minimum annual income of ₹5 Lakh • Must not currently hold any other co-branded credit card issued by Federal Bank/ BOB • Verify the current issuer eligibility and application criteria before applying.

Scapia rewards vary by card variant and programme terms; verify the live Visa/RuPay agreement before using a numeric cap or rate in promotional copy.

DECISION CHECKS

Questions to answer before you apply.

Check the issuer’s current eligibility, serviceability, documentation and approval criteria before applying.

Compare the stated fee and any waiver condition with your realistic annual spend, not an assumed spending level.

Read the current rewards, caps, exclusions, thresholds and redemption conditions before assigning a value to a headline benefit.

Open the live issuer or programme source again immediately before application because card terms can change independently of this directory review.

REVIEW QUALITY

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ABOUT THE REVIEWER

CA Naveen Bhat

CA Naveen Bhat is the named CreditCardWallah reviewer. Each review turns the cited issuer product terms into practical comparison questions around rewards, fees, caps, eligibility and recurring conditions.

The review is general educational information, not personalised financial advice, an approval promise or a substitute for checking the issuer’s current terms before applying.

READ THE REVIEW METHODOLOGY

CreditCardWallah may earn a commission from some application links. That relationship does not change the need to read the issuer’s current fee, eligibility, reward, cap and exclusion terms. This is general comparison information, not personalised financial advice.