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Scapia review

Updated October 17, 2026 · DebitCue Editorial Team

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Our verdict

The Scapia credit card in India is co-branded with Federal Bank and Scapia Technology. Repayment is available through Pay Your Bill in the Scapia app; this is the Federal Bank variant.

Key facts

Best for
Indian cardholders comparing the Federal Bank co-branded Scapia card and in-app bill payment.
Currency conversion fee
0% (Source, checked October 17, 2026)
Rewards type
Points (Source, checked October 17, 2026)
Rewards rate
10% rewards (Source, checked October 17, 2026)
Perks
Zero forex, Unlimited domestic lounge access (Source, checked October 17, 2026)
Card kind
Credit (Source, checked October 17, 2026)
Legal entity
Scapia Technology Private Limited (Source, checked October 17, 2026)
Headquarters
India (Source, checked October 17, 2026)
Support channels
Phone, Email (Source, checked October 17, 2026)
Pricing model
No annual fee
Features
Rewards
Official website
scapia.cards

Pros and cons

Pros

  • Federal Bank identifies Scapia Technology as its co-brand partner.

Cons

  • Terms for other issuer variants should not be assumed to apply.
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Who it suits

  • Indian cardholders comparing the Federal Bank co-branded Scapia card and in-app bill payment.

Who should look elsewhere

  • Customers applying terms from a different bank-issued Scapia card.

Repay through the Scapia app

The app provides a Pay Your Bill option in the Credit Card section.

Booking trips in the app

Travellers can use the Scapia app to plan a trip and book it in one place. Stays are available at resorts, hotels and homestays in many parts of the world, and flights can be booked with major airlines that cover routes across the globe. Bus journeys are part of the mix too, with a selection of operators to choose from. Travel experiences can be added as well, so a whole holiday can be shaped from a single starting point. Keeping these bookings together makes the planning side of travel simpler for someone who moves often.

A travel focused business from India

Scapia Technology Private Limited is an Indian company that brings credit card services and travel booking together under one brand. Its card is offered in partnership with a bank, while the travel side runs through the company's own platform. The business is built around people who move often and want their card and their trip planning to sit in one place. Its head office is in India, and the travel offer covers flights, stays, buses and experiences in many countries.

Everyday spending by phone

The card works with everyday phone payments, so routine spending can be made through familiar routes many people already use. Small purchases and larger expenses can both be routed through one credit line. Regular bills can be paid from the same platform. Because the card centres on travel and daily purchases rather than wide lending, it suits people who want one main card for trips and ordinary life.

Spending across borders

Some features are built for travellers who spend in other countries. A currency feature is attached to one version of the card only, so the choice of network matters for people who plan to pay abroad. Frequent flyers and travellers who move between countries can build a single habit around one card for both bookings and purchases. Keeping overseas spending on one card makes the picture easier to follow across a year of trips.

Our full take

Scapia is a travel credit card issued in partnership with Federal Bank.

How Scapia compares

Frequently asked questions

What kinds of trips can be planned in the Scapia app?+

The app covers several kinds of travel, from stays at resorts, hotels and homestays to flights and bus journeys. Travel experiences can be added as well, so a trip can be built step by step inside one application. Travellers can look at the options side by side before settling on a plan. This makes the app useful for short breaks, longer holidays and everyday journeys alike.

Which company operates the Scapia platform?+

The Scapia platform is operated by a private limited technology company registered in Bengaluru, Karnataka, in India. The company's services bring credit card services and travel services together under one platform. The card itself is issued in partnership with a bank.

What kinds of trips can be planned on the platform?+

The platform covers flights with major airlines, stays at resorts, hotels and homestays, bus journeys and travel experiences. A trip can be built step by step inside one platform. Travellers can weigh the choices side by side before settling on a plan, which makes it useful for short breaks and longer holidays alike.

Who operates the travel platform?+

The platform is run by Scapia Technology Private Limited, a company registered in India. Its services bring card services and travel services together. The credit card itself is issued in partnership with a bank, so the card and the travel side are linked but separate parts of the offer.

Which networks does the card work on?+

The card is offered on more than one payment network. Each network version has its own features, so the currency feature is only available on one version. Choosing a network therefore depends on how and where the card will be used.

Can the card be used for everyday purchases?+

Yes, the card is designed for both travel and daily spending. Routine payments made by phone can be routed through it, and the same card can cover bills and bigger purchases. This makes it a practical main card for people who travel and also manage a busy home life.

Sources

  • scapia.cards checked October 17, 2026

    Backs: Rewards type, Pricing model, Features, Rewards rate, Card kind, Currency conversion fee, Perks, Description

    “Rewards earned on transactions are converted to Scapia coins on your statement date!”

  • scapia.cards/legal/delete-your-account checked October 17, 2026

    Backs: Headquarters

    “2nd Floor, Tower-B, Mantri Commercio, Bellandur, Bengaluru, Karnataka 560103”

  • scapia.cards/legal/grievance-redressal checked October 17, 2026

    Backs: Support channels

    “Scapia Telephone number: +91 8951387878 or email us at care@scapia.cards”

  • scapia.cards/legal/scapia-platform-terms-of-use checked October 17, 2026

    Backs: Legal entity

    “operated and managed by Scapia Technology Private Limited having its registered office at”

Compiled from 4 source pages, checked October 18, 2026. We did not open an account.

Not confirmed yet: Annual fee, APR.

Scapia

Scapia

Indian cardholders comparing the Federal Bank co-branded Scapia card and in-app bill payment.

8.5/10Visit