Earn 20% Scapia Coins on travel bookings via the Scapia app
Earn 10% Scapia Coins on all eligible online and offline spends
Earn 5% Scapia Coins on UPI and RuPay spends of ₹500 or more
Unlimited complimentary domestic airport lounge access on spending ₹10,000 per billing cycle (Visa) or ₹15,000 (RuPay)
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-65 years
Salary
₹41.7K / Month
Credit Score
750+
Bank Fee Structure
Forex MarkupThis card charges zero forex markup on international transactions on the Visa variant. All foreign currency transactions are processed at the standard Visa exchange rate with no additional conversion fee
0%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeSurcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges
As prescribed by IRCTC / Indian Railways
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentCheque payments are not accepted for this card. Payments must be made via UPI, Net Banking, IMPS or NEFT through the Scapia app
Not Applicable
Cash PaymentCash payments are not accepted for this card. Payments must be made via UPI, Net Banking, IMPS or NEFT through the Scapia app
Not Applicable
Late Payment Charges
Amount due
Fee
₹0 – ₹500
₹0
₹501 – ₹5,000
₹100
₹5,001 – ₹10,000
₹500
₹10,001 – ₹25,000
₹600
₹25,001 – ₹50,000
₹750
₹50,000+
₹950
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
FuelRentWallet LoadEducation FeesGift CardsCash AdvancesEMI TransactionsGovernment SpendsCredit Card Bill PaymentUtilities
Terms & Conditions
The bank may offer a different variant of the Scapia Credit Card based on your eligibility. Please review the features and benefits of the card issued before completing your application
To activate your card and start earning Scapia Coins, you must make a minimum transaction of ₹1 within 30 days of card issuance. Failing to do so will make you ineligible for the welcome benefits
