Federal

Scapia Credit Card

Check Scapia Credit Card eligibility, income criteria, fees, reward/cashback rates, benefits and exclusions. Compare features and apply online.

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Issued by

Federal

Scapia Credit Card image
Joining Fee₹1
Annual Fee₹1
Income₹35000
Credit Score750

Key Highlights

Get 0% Forex Markup

on all international transactions

Shopping

Earn 10% Rewards on Every

Eligible Online and Offline spend Rewards credited as Scapia Coins, redeemable instantly via the Scapia app, 5 Scapia Coins = ₹1

Travel

Get Unlimited Complimentary Domestic Airport Lounge

access by spending ₹20,000 on the card in the preceding calendar month

Get Unlimited Complimentary Domestic Airport Lounge

access by spending ₹20,000 on the card in the preceding calendar month

Eligibility

Age Criteria21-65

Applicants must be between 21 and 65 years of age at the time of application.

Credit Score750

A CRIF score of 750 or above is required as per the bank’s eligibility criteria.

Salaried Income₹5 LPA

Minimum Annual Income of ₹5 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Self-employed Income₹5 LPA

Minimum Annual Income of ₹5 LPA is required to apply for the SBI Cashback Credit Card, as per bank eligibility.

Employment TypeSelf Employed, Salaried
New to CreditNot eligible

Fees & Waivers

Joining Fee₹1

This card has no joining fee, it is lifetime free.

Joining Fee OffsetNot Applicable
Annual Fee₹1

This card has no annual fee, it is lifetime free.

Annual Fee WaiverNot Applicable
Estimated Annual Saving₹207171

Rewards & Redemption

Reward Conversion1 Scapia Coin = ₹0.20
Redemption Options
  • Scapia app
Earning ExclusionsFuel, Rent, Wallet Load, Education Fees, Gift Cards, Cash Advances, EMI Transactions, Government Spends, Credit Card Bill Payment, Utilities
Spend ExclusionsFuel, Rent, Wallet Load, Education Fees, Gift Cards, Cash Advances, EMI Transactions, Government Spends, Credit Card Bill Payment, Utilities

Benefits

All Benefits

  • 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)

Flight Benefits

  • Earn 20% Scapia Coins on all travel bookings made via the Scapia app (flights, hotels, trains, buses)
  • Earn 10% Scapia Coins on all eligible online and offline spends on the Visa variant (minimum transaction ₹20)
  • Earn 5% Scapia Coins on all eligible UPI and RuPay spends of ₹500 or more on the RuPay variant
  • Zero forex markup on all international transactions on the Visa variant
  • No-cost EMI on flight and hotel bookings made through the Scapia app
  • Visa applications for 40+ countries via the Scapia app

Airport Lounge Benefits

  • Enjoy unlimited complimentary domestic airport lounge access, along, unlocked by spending ₹20,000 in the preceding month on the VISA

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

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

FAQ

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